Winning Banking Competition through KREDIT MULTIGUNA Services

Abstract

Abstract. The intense competition in the Banking industry, made the Bank compete to
issue a variety of services aimed at pampering its customers to be more loyal. The
procedure for granting credit is important in determining eligibility and as a benchmark in
making decisions whether the debtor is feasible or not to receive credit provided by the
bank. Not only that the procedure for granting credit is also a system and procedure
established by a bank to facilitate the bank in carrying out its functions as a channel of
funds to the public in the form of credit with a systematic and neat and structured flow so
that it can facilitate banks to assess the credit facility .
The purpose of this discussion is to find out the procedure for providing KREDIT
MULTIGUNA to fixed income groups in one of the state-owned banks that have
multipurpose credit facilities. The discussion was carried out to find out how actually the
provision of KREDIT MULTIGUNA in the fixed income group went well or not. The
research conducted at PT. Bank Rakyat Indonesia (Persero) Tbk Dewi Sartika Bogor
Branch.
The Results Discussion shows that PT. Bank Rakyat Indonesia (Persero) Tbk Bogor Dewi
Sartika Branch has implemented a system of good credit procedures. Assessing the
feasibility of the debtor to receive credit and the crediting process that is quite good. To
ensure that the Procedure for Giving KREDIT MULTIGUNA is good enough, in granting
credit the bank always uses the terms and conditions set by PT. Bank Rakyat Indonesia
(Persero) Tbk.
The evaluation results from this discussion show that KREDIT MULTIGUNA are loans
that can be used for various consumtive purposes as long as they do not conflict with the
prevailing laws and regulations, which increase the variety of types of credit available in
banking which are used as investment loans. and working capital.

Keywords: multipurpose loan, bank, competitivenes, services