Analisis Strategi Pembiayaan Kredit Mikro pada PT Bank Sumut (Studi pada PT Bank Sumut Kantor Cabang Pembantu Belawan)

Abstract

Bank is a financial institution that is a place for companies - companies, government agencies and the private sector and individuals to save funds - funds. In realizing the ideals - ideals of the nation to build a new economy that faced the economic empowerment of the people, the government realize that the purpose of rural entrepreneurship development. Such circumstances dissipates PT. Bank Sumut create a microcredit program in the allotment for customers with medium economy. This study aims to identify and analyze what strategies implemented by PT. Bank Sumut KCP Belawan on micro-credit financing program. The method used in this study is a research method descriptively by using a qualitative approach. Descriptive research method is a method of research that aims to explain the variables independently. Data collection techniques used are primary data collection techniques such as in-depth interviews and secondary data collection techniques in the form of library study and documentation. From the results of this study found that the strategy implemented by pihal PT. Bank Sumut KCP Belawan ie organically, meaning the debtor management processes and micro-managed by the bank. PT. Bank Sumut KCP Belawan in the last three years has increased the amount of funds disbursed, but the results of the comparison between the Branch Office Mabar, Marelan, and Martubung KCP Belawan is at its lowest position. In the fund comparison jammed PT. Bank of North Sumatra Belawan KCP is at the lowest position, in the sense that there are at least KCP Belawan jammed funds compared with KCP Mabar, Marelan, and Martubung. Of 5C is applied to commercial banking only character and capacity (2C) are considered very important in assessing the feasibility of potential borrowers.