ROLE ACCOUNT OFFICER IN THE PROCESS

OF APPLICATION FOR MICRO CREDIT FOR SMEs

IN THE BANK bjb BRANCH OFFICE HELPER KOPO SAYATI

BANDUNG

ABSTRACT

By : Nurul Azizah Hidayat

Supervisor : Yudi Wahyudin S. SE., M.Si

The purpose of this study to determine the duty Account Officer Mikro in
processing an application for Microcredit Main , knowing Lending Process , as
well as the problems faced Account Officer in the loan application process .
Study method used is descriptive method with data collection study of
literature and studies job training.
Based on study results, the micro Account Officer in processing the loan
application to the bank bjb Branch Office Kopo Sayati perform its role as a credit
analyst, namely to assess the feasibility of prospective borrowers, in assessing the
feasibility of potential borrowers of micro mengunakkan Account Officer
precautionary principle is 5 C, character, capital, capacity, collateral, condition
of economy and discuss the six aspects, Juridical Aspects, Marketing Aspect,
aspect Management, Financial Aspects, Technical Aspects and aspect Security
and Socio-economic and Environmental Impact Assessment. It can be concluded
that, in processing the loan application of micro Account Officer role in
processing the loan application , ie as a credit analyst whose purpose is to
evaluate the feasibility of borrowers and micro Account Officer in lending does
not work carelessly, but with the precautionary principle

Keywords : Credit Analysis, Account Officer , Micro credit Main