MEKANISME PENCAIRAN KREDIT USAHA RAKYAT PADA PT. BANK RAKYAT INDONESIA UNIT LUBUK BUAYA

Abstract

People's Business Credit is financing of working capital and or investment to Micro Small Medium Enterprises in the field of productive and feasible yet not bankable business with credit limit up to Rp. 500,000,000, - partly guaranteed by the Guarantor Company. The source of funds for the distribution of people's business credit is 100% (one hundred percent) sourced from the executing bank funds collected from public funds (savings, demand deposits, and time deposits). People's Business Credit is intended to improve access to financing for micro, small and medium enterprises performing productive and viable business activities. People's business credit aims to achieve accelerated development of the real sector and empowerment of micro, small and medium enterprises in the context of poverty alleviation and expansion of employment opportunities. Mechanism in the implementation of the distribution of People's Business Credit funds at PT. Bank Rakyat Indonesia Unit Lubuk Buaya through several stages such as, credit application stage, file verification phase, credit analysis phase or examination phase, credit awarding stage, and credit disbursement stage or credit agreement.