ABSTRACT
The background of the problem of this writing is that PT Pegadaian (Persero)
Nusaniwe Branch Service Unit is a Pawnshop Unit that also provides products and services in the fields of financing, gold business, and various other services. In the field of financing, Pegadaian UPC also offers various types of credit with fairly easy and light requirements. This certainly makes it easier for people to achieve their welfare in the economic field. This study uses a qualitative approach where data is collected through interviews, bservations, and document analysis. Statistical analysis is also carried out to measure the effectiveness of the internal control system. The results of the study indicate that the implementation of an effective internal control system can reduce
the risk of bad credit, improve credit quality and. Thus, the implementation of an effective internal control system can help PT Pegadaian (Persero) Nusaniwe Branch Service Unit in improving service quality and reducing the risk of bad credit. Increase customer trust,
Keywords: Internal Control, Credit Provision, PT Pegadaian, Risk Control and
Management System
