ANALISIS SISTEM PENGENDALIAN INTERNAL PENYALURAN KREDIT PADA PT. BANK RAKYAT INDONESIA (Studi Kasus Bank Rakyat Indonesia Unit Pardasuka Cabang Pringsewu)

Abstract

The purpose of this study was to determine the effectiveness of the internal control system implemented in lending by PT Bank Rakyat Indonesia Unit Pardasuka. Research conducted using descriptive qualitative research, namely research by conducting case studies. Retrieval of data taken by interview, documentation, and observation. The results of the study show that PT BRI Unit Pardasuka has carried out all existing procedures properly. One of them is by taking initial action to prevent congestion in lending, namely by providing information to customers regarding late installments. As for credit activities, basically what often results in credit jams is from the debtor himself who is less communicative in expressing the inability to pay off credit in the future which may occur because the debtor suffers a loss in his business or with other factors. Meanwhile, in the initial process, the bank has carried out a direct review of the collateral submitted by the debtor, up to the stage of whether or not a debtor is eligible for credit disbursement.