PROSEDUR PENGAJUAN KREDIT USAHA RINGAN (KURING) DI PD. BPR ARTHA GALUNGGUNG KECAMATAN KARANGNUNGGAL KABUPATEN TASIKMALAYA

APPLICATION PROCEDURE FOR SMALL BUSINESS CREDIT (ME) IN PD. BPR ARTHA GALUNGUNG KARANGNUNGGAL DISTRICT TASIKMALAYA DISTRICT By: Randy Triansyah NPM. 193404160 Guidance I : Yuyun Yuniasih S.E., M.Si. Guidance II : Andri Helmi Munawar, S.E., M.M. The aim of this research is to determine the procedure for applying for light business credit (KURING) in PD. BPR Artha Galunggung Karangnunggal Branch, Tasikmalaya Regency. The research approach used uses a qualitative approach with the types of data used, namely primary data and secondary data. The techniques used in data collection were direct observation, in-depth interviews and literature study. Based on the research results, the procedure for applying for Light Business Credit (KURING) at PD. BPR Artha Galunggung Karangnunggal Branch, Tasikmalaya Regency includes several important stages: prospective borrowers must fulfill general requirements, prepare a proposal, and complete the documents. Banks examine and verify files, conduct interviews and field checks before making credit decisions. Complete documents and a good credit history are very important to avoid rejection. Prospective debtors can overcome obstacles by ensuring complete documents, adjusting loan amounts, increasing income, delaying large asset purchases, and improving credit records.

Keywords: Procedure, Submission, Credit