Prosedur Pemberian Kredit Modal Kerja Pada PD. BPR Bank Daerah Lamongan

Bank is one of the providers of loan funds and a sector that deals with various activities. The Bank also has a function as a financial intermediary institution between people with the excess funds and people with the lack of funds. One of the financial institutions that provide loans in the form of credit is PD. BPR Bank Daerah Lamongan. One of the existing credits is working capital loans. Working capital loans is a credit used to develop a business. This final assignment aims to know the procedure of working capital loans at PD. BPR Bank Daerah Lamongan. The first stages that must be passed by the debtor is should fulfill the document requirements of working capital loan and costs in the credit process. Second, file submission, interview, SID checking, data verification, credit analysis, credit decision, and realization. Third, the calculation of repayments that should be paid and the fine of delay at PD. BPR Bank Daerah Lamongan. Fourth, the closing of working capital loans by way of customers come to the bank, show proof of payment and take the files which used as the collateral. The difficulty that occurs in the provision of working capital loans is the debtor who apply with fictitious data and debtor in arrears to pay the installment of working capital loans. Keywords:Procedures, working capital loan, PD. BPR Bank Daerah Lamonga