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Consumer Credit Administration Process at Bank Sumsel Babel KCU Arivai Palembang M. Sholeh Awaludin; Saprida Saprida; Havis Aravik; Ahmad Tohir
EKOMAN: Jurnal Ekonomi, Bisnis dan Manajemen Vol. 4 No. 2 (2026): EKOMAN: Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Penerbit dan Percetakan CV. Picmotiv

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61930/ekoman.v4i1.503

Abstract

The consumer credit administration process is a crucial step in the distribution of banking financing because it determines the smoothness, accuracy, and security of the credit disbursement process to customers. Frequently encountered problems include incomplete documents, inconsistent administrative data, miscommunication between work units, and the accumulation of archives that can potentially hinder the credit verification and approval process. This report aims to describe the consumer credit administration process at Bank Sumsel Babel KCU Arivai Palembang, explain the role of student interns in supporting administrative activities, and identify obstacles and their resolutions. The method used is a qualitative descriptive approach with data collection techniques such as observation, interviews, documentation, and literature studies. The results of the study indicate that the consumer credit administration process is carried out through the stages of credit application, document and SLIK inspection, legality check, feasibility evaluation, and credit agreement. Student interns play a role in assisting with data input, document verification, archiving, and contract administration preparation, thus supporting the smooth operation of the work unit. Obstacles encountered include incomplete customer documents, errors in form filling, suboptimal coordination, and limited archive space. Improvement efforts were made through the implementation of document checklists, enhanced internal communication, customer education, and systematic archive management, thereby enhancing administrative effectiveness and the quality of consumer credit services.
Co-Authors Abda Abda Abdul Khobir Achmad Irwan Hamzani Achmad Irwan Hamzani Achmad Soeharto Ahmad Sopian Ahmad Tohir Ahmad Tohir Ahmad Tohir Ahmad Tohir Ahmad Tohir Ahmad Tohir Ahmad Tohir AKBAR MAULANA Amelia Rahmawati Amelia, Kiky Amri, Hoirul Ar-Rifa'i, Ahmad Aris Munandar Aris Munandar Aris Munandar Aris Munandar Aris Munandar Aulia, Dwi Ayu Anggraini Ayu Lestari Azizah, Sobiatul B. Rini Heryanti Betris Ayu Adesti Bunga Cinta Cahaya Choiriyah Choiriyah Choiriyah Choiriyah Choiriyah Choiriyah Choiriyah Choiriyah Choiriyah Choiriyyah Choiriyyah Choirunnisak Choirunnisak Choirunnisak Choirunnisak Choirunnisak, Choirunnisak Damayanti, Putri Silvia Dea Okta Viani Dhian Indah Astanti, Dhian Indah Didiek Prasetya Dien Noviany Rahmatika Dodi Irawan Doly Nofiansyah Doly Nofiansyah Dwi Agustin Dwi Gita Meilani Dwi Gita Meilani Dwi Noviani Dwi Noviani Dwi Sulastyawati Dwi Sulastyawati Dwi Sulastyawati, Dwi Dwinda Fatima Ishak Eddy Praptono Edward Tember Saut Halomoan Simatupang Edward Tember Saut Halomoan Simatupang Eko Wahyudi Elmita Sari Emilia Sari Endah Dewi Purnamasari Erinda Resti Ervani, Octaviar Wilmar Fadilla Fadilla Fadilah Fadilla Fadilla Fadilla Fadilla Fadilla Fadilla Fadilla Fadilla Fadilla Fadilla Fadilla Fadilla Fadilla Fadilla Fadilla, Fadilla Fahmi Kurniawan Faizal, Moh. Fakhry Zamzam Fakhry Zamzam Fakhry Zamzam Fakhry Zamzam Fathonah Nur Imamah Fatma Juwita Frastuti, Melia Gita Mapaza Harsi Romli Harsi Romli Haryadi, Tani Hetti Nubila Hoirul Amri Ibnu Agung Hermawan Imamah, Fathonah Nur Inda Nopita Sari Indah Permata Sari Innek Safitri Irwan Irwan Ishak, Dwinda Fatima Jaka Andika Jerri Saputra Jordi Hairul Rafli Juleha Juleha, Juleha Kanti Rahayu Kirani, Kirani Luis Marnisah Luis Marnisah Lusi Tri Oktaria M Abdu Fahmi M Aidil Ramadhan M Fahri Ramadhan M Leo Febriansyah M Leo Febriansyah M Leo Febriansyah M Lucky Antoni M. Alfan Rizky M. Sholeh Awaludin M. Sholeh Awaludin M. Somadi Makmun Harun Maleha, Nova Yanti Marnisah, Luis Metta Ria Utami Moh Faizal Moh. Faizal Mohammad Faizal Muhammad Agus Muljanto Muhammad Fahri Ramadhan Muhammad Rasyid Ridho Muhammad Widad Mutasor Mukharom Mukharom Mukharom, Mukharom Mukhidin - Mukhidin Mukhidin Mukhsin Patriansah Mukhsin Patriansah Mutiara Hajja Ramonda Mutiara Mutiara Nabila Islami Putri Irawan Nabila Islami Putri Irawan Nadia Okatari Nadia Okatari Natasya Gustiana Nazhala Hairunisya Nia Romelia Niken Sania Putri Niken Sania Putri Niken Sania Putri Nila Rosmala Dewi Nofiansyah, Doly Nora Pusvita Sari Nova Yanti Maleha Novita Sari Nubila, Heti Nur Khasanah Nur Khasanah Nur Khasanah Nur Khasanah Nur Khasanah Nur Khasanah Nur Khasanah Nur Khasanah Nurmeiny Putri Ramadhany Nurwijayanti Octaviar Wilmar Ervanni Palupi, Tiara Dila Endah Pitri, Pitri Praptono, Eddy Putri, Salsabila R A Diah Ayu Wardani RA Nabila Allya Salsabilla Rafli, Jordi Hairul Rahma Febrianti Rama Riyaldi Reis Alta Peggi Reka Amelia Reski Febridyati Resty Amelia Reza Agusti Ria Permata Sari Ria Sapitri Rintan Desti Pertiwi Rizka Amelia Rizqon Halal Syah Aji, Rizqon Halal Rogaya, Natasya Romli, Harsi S Siswanto Safitri, Innek Saprida Saprida Saprida, Saprida Saputra, Angga Aldi Sari, Moiling Selva Rachmayanti Shafiyah Amalia Amin Sindi Dwi Kartika Somadi, M. Sukatin, Sukatin Syamsul Arifin Tani Haryadi Taufiq Taufiq Tenti Tri Apriani Tirta Zaharani Tirta Zaharani Ulpa Dwiyanti Vera Andini Vera Andini Veronika Meltayani Putri Winda Sari Wiyaldo Wulandari, Vera Yogi Hernando Yunus, Nur Rohim Zaharani Tirta