Analisis Prosedur Pemberian Kredit Modal Kerja Dalam USAha Mengantisipasi Kredit Bermasalah (Studi Pada Pt.bank Rakyat Indonesia (Persero) Tbk Cabang Jombang)

Bank has a wide range of products and services, one product is in the form of credit. In the granting of a loan there are guidelines that must be met by the bank and the debtor to avoid a credit crunch. This research was done so that we all understand how to anticipate the problem loans that occurred in working capital loans through credit control and lending procedures were good. This type of research is deskripstif research with qualitative approach, on the research and data analysis of the obtained results that procedure of working capital loan has been going well and according to the theory, but there not second interview process. The percentage NPLs is still within reasonable limits of 5%, but there are increases and decreases each year. While the percentage LDR is still an increase and decrease each year, but still within the tolerance limits set by BI. Supervision of credit that has been applied has been quite good, although not yet done coaching debtor and restructuring. Preferably the second interview process, credit monitoring and restructuring of the debtor in the form of coaching is applied in order to anticipate NPLs the bank.