| dc.description.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. | en_US |
