MEKANISME KREDIT AGUNAN EMAS (KRIDAMAS) DAN KREDIT MODAL KERJA (KMK) PADA PT. BPR JATIM /BANK UMKM JAWA TIMUR CABANG BATU

This study aims to determine the mechanism of comparison in terms of filing , the nominal difference in the determination of credit disbursement, as well as differences in the calculation KRIDAMAS and Working Capital Loan ( WCL ) at PT . BPR JATIM Cabang Batu . The method used is the documentation and observation , and qualitative descriptive research that is observing the events that exist in accordance with the theme . The results showed that made in granting KRIDAMAS and Working Capital Loan ( WCL ) PT . BPR JATIM Cabang Batu , is a customer / debtor is required to come to the office to apply for BPR JATIM loan and the lender ( bank ) conducted a survey . Through stages , at PT . BPR Cabang Batu has several cycles to facilitate the activities in the field of credit offered to customers , the loan application , credit analysis , credit decision , credit administration , credit monitoring / monitoring , handling of non-performing loans. The bank continues to carry out surveillance at the time of payment of installment loans Working Capital , until repayment . If KRIDAMAS just waiting for the debtors to pay maturing principal and interest . From the above study , it can be concluded that the presence of the RB is very important , because it can help in increasing the BPR Small and medium enterprises (SMEs) and can towards economic modernization. Besides the existence of BPR can avoid the SMEs entrepreneurs of the moneylenders