ANALISIS PROSEDUR DAN KENDALA PEMBERIAN KREDIT USAHA KECIL MENENGAH DI PT BANK DANAMON

SIHOMBING, DESY NATALYA (2026) ANALISIS PROSEDUR DAN KENDALA PEMBERIAN KREDIT USAHA KECIL MENENGAH DI PT BANK DANAMON. Skripsi thesis, UNIVERSITAS QUALITY.

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Abstract

Small and Medium Enterprises (SMEs) play an important role in the Indonesian economy, but still face obstacles in accessing bank financing. This study aims to analyze the procedures and obstacles in granting Small and Medium Enterprise (SME) loans at PT Bank Danamon Indonesia Tbk Medan Branch. This study uses a qualitative approach with empirical field study methods. Data was obtained through interviews, observations, and documentation with informants consisting of bank officials and SME customers. Data analysis was conducted using qualitative descriptive methods. The results show that the procedures for granting SME loans at PT Bank Danamon Medan Branch have been implemented systematically in accordance with the principles of banking prudence. However, there are still obstacles in its implementation, both from the internal side of the bank in the form of a lengthy credit analysis process, and from the external side of SMEs, such as limited business administration, low financial literacy, and limited collateral. To overcome these obstacles, the bank provides assistance to customers through account officers and improves communication in the credit application process. Keywords: SME Credit, Credit Procedures, Credit Obstacles, Bank Danamon

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