ABSTRAK
Penelitianinibertujuanuntukmengetahuitingkatpertumbuhankreditperbankanpada PT. Bank Pembangunan Daerah Jawa Barat danBaten (bank bjb )Tbk Kantor cabang Surakarta. Pertumbuhankreditpadatahun 2012 – 2014  dijadikan sebagaibahanpenelitian. Metodepenelitian yang digunakandalampenelitianiniadalahmetodedeskriptifkualitatifdenganpengumpulan data yang diprosesmenjadisuatuinformasi.Hasildaripenelitianiniadalahbahwatingkatpertumbuhankreditperbankanpada bank bjb KC Surakarta periode 2012 – 2014 mengalamifluktuasi.Hambatan – hambatan yang dihadapi oleh bank bjb KC Surakarta yaitupersaingandankurangnyapengetahuanmasyarakattentang bank bjb,  kurangnyapemasaran yang dilakukandanjugasarana bank bjb didaerah – daerahlainnya.
Kata Kunci : bank bjb, PertumbuhanKreditPerbankan, Hambatan yang dialami.
ABSTRAK
This study aims to determine the growth rate of bank credit to the PT. Regional Development Bank of West Java and Banten (Bank BJB) Tbk Surakarta branch office. Credit growth in the year 2012 - 2014 used as research material. The method used in this research is descriptive qualitative method of data collection is processed into an information.Results from this study is that the rate of growth of bank credit in the bank bjb KC Surakarta period 2012 - 2014 has fluctuated. Barriers - barriers faced by banks bjb KC Surakarta namely competition and the lack of public knowledge about the bank bjb, lack of marketing is done and also means banks bjb areas - other areas.
Keywords: bjb bank, Bank Credit Growth, Barriers experienced.