PROSEDUR KEBIJAKAN PEMBERIAN KREDIT TERHADAP BANTUAN DANA UMKM PADA BANK PAPUA CABANG KOTA SORONG

Abstract

ABSTRACT Bank according to Law Number 10 of 1998 concerning Amendments to Act Number 7 of 1992 concerning Banking, is a business entity that collects funds from the public in the form of credit and or other forms in order to improve the standard of living of the people at large. From this definition, it can be said that the existence of a bank is very important for many people who will later support the economic growth of a country. In supporting the growth of the real sector, Bank Papua provides convenience and increases the number of UMKM credit bases. By increasing the number of Bank Papua credit assistance for the UMKM group, it can increase the productivity of local residents' economic business activities. With the assistance of Bank Papua funds, it can encourage economic activities and the business sector, especially local entrepreneurs.Based on the above background, the formulation of the problem for this research is how is the policy procedure for providing credit to UMKM Funds at Bank Papua, Sorong City Branch Office. This research is a qualitative research. The steps in analyzing the data are to describe the procedure for granting credit at the Bank Papua branch office in the city of Sorong, to describe the documents in the process of providing credit at the Bank Papua branch office at the city of Sorong, to describe the units in the process of providing credit at the Bank Papua branch office in the city of Sorong. Keywords: UMKM, lending, Law Number 10 of 1998 concerning banking, real sector growth, process of granting credit.