Prosedur Pelaksanaan Kredit Dana Bergulir Pemerintah Provinsi Jawa Timur Pada PT. Bank Pembangunan Daerah Jawa Timur Cabang Jombang

The Provincial Government of East Java conducts an effort to encourage and empower the sector of the UMKM in the East Java economy by giving the Kredit Dana Bergulir. Kredit Dana Bergulir Pemerintah Provinsi Jawa Timur is financing funds allocated by the East Java Government for business capital reactions to society in small and medium micro businesses. This obeservation aims to determine the procedure of Kredit Dana Bergulir Pemerintah Provinsi Jawa Timur in PT. Bank Pembangunan Daerah Jawa Timur Jombang branch. This final project research uses interview method with related parties, they are credit administration and conducting library study. From the observation, it shows that the credit procedur is the credit proposal, analysis of credit and realization the credit. From the result, it can be concluded that the procedur of Kredit Dana Bergulir Pemerintah Provinsi Jawa Timur in PT. Bank Pembangunan daerah Jawa Timur Jombang branch has been well implemented. But it would be better if the Provincial Government of east Java with PT. Bank Pembangunan Daerah Jawa Timur to review the financing to be targeted and easier in obtaining this financing. Keyword : Procedure, Credit, Dana Berguli