Analisis Sistem Penyaluran Kredit pada PT. Lembaga Keuangan Mikro (LKM)

Abstract

This study aims to determine: (1) Credit distribution procedures at PT. LKM Sukabumi Cidadap Branch, (2) a way to overcome the occurrence of bad loans at PT. LKM Sukabumi Cidadap Branch, (3) Constraints and obstacles in implementing a credit distribution system at PT. LKM Sukabumi Cidadap Branch. The method used in this study is descriptive qualitative. Data collection in this study uses data collection techniques with interviews, observations, and documentation. The data is analyzed and described in descriptive form. This research is a field research, which is research conducted at certain locations selected to observe objective symptoms in accordance with what occurs at the location. The results showed that: (1) Credit distribution procedures at PT. LKM Sukabumi Cidadap Branch is in accordance with the provisions of the procedure owned, (2) How to Overcome the occurrence of bad loans at PT. LKM Sukabumi Cidadap Branch is to reschedule, remove books, and delete bills, (3) Constraints and obstacles in implementing a credit distribution system to PT. LKM Sukabumi Cidadap Branch includes false information provided by prospective debtors, and incomplete requirements in applying for credit.