MANAJEMEN RISIKO KREDIT PADA PRODUK KREDIT MODAL KERJA PADA BANK PEMBANGUNAN DAERAH JAWA TIMUR, Tbk CABANG BATU

This research is entitled "Management of Credit Risk in Working Capital Loan Products at the Regional Development Bank of East Java, Tbk Batu Branch". This study aims to determine whether the procedure for applying for a working capital loan is in accordance with the SOP and the method used by Bank Jatim in dealing with working capital credit in the event of bad credit. In this study, the author uses a method in the form of a descriptive method. While the data analysis uses qualitative methods in the form of objective research and library studies as a supporter of the facts that occur in the field. The results of the author's research indicate that working capital loans are loans intended for people who have a business for more than 2 years. In its completion, working capital loans often experience bad credit in payments, giving rise to problematic working capital loans. However, Bank Jatim Batu has various ways to deal with non-performing loans