ANALISIS SISTEM PEMBERIAN KREDIT MODAL KERJA DI PT. BANK RAKYAT INDONESIA Tbk.

Abstract

Abstrak. The article discusses the system of granting business loans in PT. Bank Rakyat Indonesia (BRI), one of the largest state-owned banks in Indonesia. The author uses the Library Research methods to find relevant data for the study. The research shows that the bank has requirements that must be met for loan applications, such as filling out a business registration form, making an initial deposit, and providing personal identification. In the loan application process, the bank also has principles for determining the suitability of borrowers. The research also shows that there are several obstacles to loan granting, such as incomplete or incomplete documents, borrowers who are not transparent about the use of funds, and collateral that is too small to be guaranteed. From the analysis, it can be concluded that the loan granting system in Bank BRI has requirements that must be met and a proper process for loan applications. The research also shows that the financial health of Bank BRI Tbk, as indicated by the CAMEL method on Busa Efek Indonesia, is healthy, which allows the bank to improve its financial health and performance to the maximum extent.