Prosedur Pelaksanaan Kredit Usaha Rakyat (Kur) Secara Optimal Pada Pt. Bank Rakyat Indonesia (Persero) Tbk Cabang Lamongan

The role of banks in economic development of a nation is very important, because the banks can distribute funds for economic activities. At this time the government is intensively - voiced vigorous credit to the public, one of them is Kredit Usaha Rakyat (KUR) Retail useful to develop suitable and productive business. There are many qualifications that must be filled by the public to distribute KUR, therefore a qualifications of KUR Retail distribute are really important to optimalitation KUR Ritel distribute and it can help the economic development. In this case the representation and description about the realization of KUR Ritel procedure is really important to help the public and banking institutions. In the implementation of many of the problems about KUR Ritel distribution, that is difficult to know the characteristic of customers, the legality of operations and payment of loan installments. Because of this problem the banking will anticipate from searching the information of customer’s history with SID (Sistem Informasi Debitur) BI (Bank Indonesia), searching the lifestyle of the customer and remembering when your loan installment due date. With the procedure and optimally credit distribution, then it will increase the customer’s income. Keyword :Procedure, Credit, Retai