Analisis Sistem Dan Prosedur Pemberian Kredit Pemilikan Rumah (Kpr) Dalam USAha Mengantisipasi Terjadinya Tunggakan Kredit (Studi Pada PT. Bank Muamalat Indonesia Tbk. Cabang Malang)

This research aims to know the system and procedure of giving house property credit that is applied by PT. Bank Muamalat Indonesia Tbk of branch office Malang in taking anticipation of happening unpaid credit. This study uses descriptive method. The study is placed in PT. Bank Muamalat Indonesia Tbk of branch office Malang, Kawi Atas Street No. 36 A malang. The study found that system and procedure of giving house property credit have run well, but it is still found the discrepancy. The bank has not been explaining method of filling not the application form, interviews were only conducted once, there is no clear procedure to withdraw the credits whether it is done on one time or not, there is no standard operating prosedures for billing and monitoring activities. The researcher the bank to explain the method of filling out the application form to the customer, to arrage the second interview ensuring the ability of payment, to send the billings and call customers 2 or 3 days before the due date, to arrange customers payments through muamalat accounts by transfer or via teller, to arrange on site and off site monitoring done by two different sections in order to avoid abusing the authority