Credit Granting and Monitoring Procedures at PT Bank BNI Tbk KCP OBO Belawan

Abstract

The objective of this study is to examine the credit distribution system implemented by PT Bank BNI Tbk KCP OBO Belawan. Whether it is in line with the regulations and decisions established by Bank Indonesia. The main data was obtained through conversations and documents. The analysis method applied in this study was qualitative descriptive, which means grouping the information obtained and explaining it descriptively, as well as drawing quality conclusions based on relevant theories. The conclusion regarding the credit disbursement system at PT Bank BNI Tbk KCP OBO Belawan is as follows: the credit disbursement system implemented by PT Bank BNI Tbk KCP OBO Belawan has not fully complied with the Bank Credit Policy (KPB) determined by Bank Indonesia. This can be observed from the implementation of the processes in credit distribution carried out by PT Bank BNI Tbk KCP OBO Belawan.