Analisis Prosedur Pemberian Kredit Pada PT. BPR Nusumma Cabang Cisalak - Tria Nurul Maulida; Aziz Muhammad (The World of Financial Administration Journal, 2026)
Abstrak Penelitian ini dilatarbelakangi oleh pentingnya penerapan prosedur pemberian kredit yang sesuai dengan Standar Operasional Prosedur (SOP) pada Bank Perkreditan Rakyat (BPR), khususnya dalam meminimalkan risiko kredit bermasalah. Pada PT BPR Nusumma Cisalak, masih ditemukan adanya nasabah dengan kondisi kurang lancar dan tidak lancar, yang menunjukkan adanya kendala dalam pelaksanaan prosedur kredit. Rumusan masalah dalam penelitian ini adalah bagaimana prosedur pemberian kredit pada PT BPR Nusumma Cisalak, sedangkan tujuan penelitian ini adalah untuk mengetahui prosedur pemberian kredit yang diterapkan pada PT BPR Nusumma Cisalak. Penelitian ini menggunakan metode penelitian kualitatif dengan pendekatan deskriptif, dengan teknik pengumpulan data yang dilakukan melalui observasi, wawancara, dan dokumentasi, serta teknik analisis data menggunakan analisis deskriptif kualitatif dengan cara mengumpulkan, mengolah, dan menafsirkan data yang diperoleh di lapangan. Hasil penelitian menunjukkan bahwa prosedur pemberian kredit pada PT BPR Nusumma Cisalak telah dilaksanakan secara sistematis, meliputi tahap pengajuan, analisis kelayakan dengan prinsip 5C, pencairan, hingga pengawasan kredit. Meskipun demikian, dalam pelaksanaannya masih terdapat beberapa kendala, seperti kurang optimalnya analisis kredit, ketidaksesuaian data lapangan, serta keterbatasan pengawasan terhadap pembayaran angsuran. Hal tersebut berpengaruh terhadap munculnya kredit kurang lancar dan tidak lancar. Berdasarkan hasil tersebut, dapat disimpulkan bahwa pelaksanaan prosedur pemberian kredit telah sesuai dengan SOP, namun masih perlu peningkatan dalam implementasinya agar risiko kredit dapat diminimalisir. Kata kunci : Prosedur Kredit, Kepatuhan SOP, Risiko Kredit.   Abstract This study is motivated by the importance of implementing credit granting procedures in accordance with Standard Operating Procedures (SOP) in Rural Banks (BPR), particularly in minimizing the risk of non-performing loans. At PT BPR Nusumma Cisalak, there are still customers categorized as substandard and non-performing, indicating obstacles in the implementation of credit procedures. The problem formulation of this study is how the credit granting procedures are implemented at PT BPR Nusumma Cisalak, while the purpose of this study is to determine the credit granting procedures applied at PT BPR Nusumma Cisalak. This study uses a qualitative research method with a descriptive approach, with data collection techniques carried out through observation, interviews, and documentation, while data analysis techniques use descriptive qualitative analysis by collecting, processing, and interpreting the data obtained in the field. The results of the study indicate that the credit granting procedures at PT BPR Nusumma Cisalak have been implemented systematically, including the stages of application, feasibility analysis using the 5C principle, disbursement, and credit monitoring. However, in its implementation, several obstacles still exist, such as suboptimal credit analysis, discrepancies in field data, and limitations in monitoring installment payments. These issues contribute to the occurrence of substandard and non-performing loans. Based on these findings, it can be concluded that the implementation of credit granting procedures has been carried out in accordance with the SOP, but improvements are still needed in its implementation to minimize credit ris.  Keywords: Credit Procedures, SOP Compliance, Credit Risk.