Evaluasi Sistem Pengajuan Kredit, Proses Realisasi dan Pelunasan Kredit Griya Utama (Kgu) pada PT. Bank Tabungan Negara (PERSERO) Tbk. Kantor Cabang Surakarta

Oleh :
Tanti Prasanti - F3308113 - Fak. Ekonomi dan Bisnis

Credit Griya Main products are non-credit home ownership subsidy (commercial) provided by the Surakarta Branch of PT. Bank Tabungan Negara (Persero) Tbk to the debtor to purchase a house (new or second). The objective of this research is to understand and evaluate the procedures in the system of Credit the Surakarta Branch of PT. Bank Tabungan Negara (Persero) Tbk whether in accordance with the standards and conditions of the Bank Indonesia. From the results of the research system of Credit Griya Utama, authors obtain the advantages and disadvantages of the procedure performed. Some of the benefits, the system of Credit Griya Utama, among others, credit application procedures of investigation and credit analysis, credit application decision-making procedures, the realization of the credit procedures, credit and satisfaction procedures, which have been thoroughly in accordance with the provisions of the credit standards set by Bank Indonesia. The weakness of the forms and there are documents that have not been numbered series printed, the queue is still going payment Credit Griya Utama between customers and the lack of the implementation of the audit still get the notification from the external auditor. Based on the result of research, the researcher give some recommendations for the better Credit Griya Utama issuance system includes the researcher can give is to set the system to automatically provide the number series on each new transaction so that it can simplify the verification that each transaction is recorded and does not have any printed document, the Surakarta Branch of PT. Bank Tabungan Negara (Persero) Tbk socialize more payment Credit Griya Utama through ATM to the customer so that can reduce the queue.