REVIEW OF THE CREDIT GUNA BHAKTI (KGB) GRANTING PROCEDURE AT BANK BJB KCP MITRA BATIK TASIKMALAYA

Mia Nurjanah; Andi Usmar

doi:10.62567/micjo.v2i2.703

Authors

Mia Nurjanah POLITEKNIK LEMBAGA PENDIDIKAN DAN PENGEMBANGAN PROFESI INDONESIA
Andi Usmar LP3I Tasikmalaya Polytechnic

DOI:

https://doi.org/10.62567/micjo.v2i2.703

Keywords:

Bank BJB, Guna Bhakti Credit, Credit Provision Procedure

Abstract

This study aims to examine the procedures involved in the provision of Kredit Guna Bhakti (KGB) at Bank Bjb KCP Mitra Batik Tasikmalaya, identify the challenges encountered during the process, and evaluate the solutions implemented to address these obstacles. This study uses a qualitative descriptive approach, with data collection methods through interviews with bank staff, direct observation of the credit process, and literature review. Findings reveal that the KGB procedure consists of several key stages: application submission, credit analysis, credit decision, credit agreement, and fund disbursement. However, its implementation faces both internal and external challenges, such as limited credit staff resulting in slower service, and a lack of understanding among prospective borrowers regarding the credit procedure. To address these issues, the bank has prepared appropriate solutions. Overall, the KGB procedure at Bank Bjb KCP Mitra Batik has been carried out effectively and efficiently.

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