ANALISIS KREDIT PRODUK KREASI PADA PT. PEGADAIAN (PERSERO) UNIT PELAYANAN CABANG TEMAS

Credit disbursed by financial institutions, both banks and non-banks, is one way to meet the needs of the community in supporting the economy. This study aims to determine the description and development of customer credit for KREASI products, then to determine the mechanism for credit kreasi, and the problems and solutions for credit kreasi at PT. Pegadaian UPC Temas. This research is a qualitative descriptive research which is a case study. With data sources obtained from documentation, interviews, books, journals, and other scientific articles that are in accordance with the research focus which are then analyzed. From the results of the study it can be concluded that, these kreasi products are in great demand by customers for reasons of relatively cheap capital rental (loan interest), as well as fast credit applications, and guarantees that only use BPKB for motorized vehicles. This can be seen in the turnover of financing and the number of active customers, which every year is always growing. The credit application process can be done by visiting the nearest pegadaian outlet