IMPLEMENTATION OF LENDING BUSINESS PEOPLE ( KUR ) NO COLLATERAL IN. BRANCHES OF THE BANK INDONESIA PERSERO Padang

Abstract

ABSTRACK

Economic income in a community of nation and state is different, because it is through the program by the government's business credit (KUR) without collateral can help the business community (SMES) microenterprise Bank BRI Lubuk Begalung Padang. problem, namely (1) How is the implementation of the provision of small loans without collateral at the Bank Rakyat Indonesia Unit Lubuk Begalung Padang? (2) Is the constraints arising from the implementation of the provision of small loans without collateral in Bank Rakyat Indonesia Unit Lubuk Begalung Padang? (3) How can the efforts made to overcome the obstacles that are in the procedure of providing small loans without collateral? This type of research aalah juridical sociological approach, with the primary data that interview with the head of BRI, Mantri and customers as informants. Type of data is the primary and secondary. The results of the study is that the process of providing small loans (KUR) unsecured conducted through several phases: phase of the loan application, credit analysis stage (stage examination), the stage of the decision granting the credit, and credit disbursement stage, through this stage of the debtor can request for credit to their capital to Bank BRI Lubuk Begalung Padang.

.

Keywords : Implementation, Provision, Kur, BRI