<![CDATA[Multi-Purpose Credit (Kredit Multi Guna/KMG) is a financing product offered by Bank Jakarta to individuals with a fixed income. Its implementation faces several challenges, including incomplete application documents and a high volume of credit applications that affect service efficiency. This final project aims to describe the procedures for granting Multi-Purpose Credit at Bank Jakarta, Matraman Branch Office. The study employs a descriptive method, with data collected through direct observation during the Field Work Practice (PKL), documentation, interviews, and literature review. The analysis covers the stages of credit application, document completeness verification, creditworthiness analysis, data verification, credit approval, credit agreement signing, and fund disbursement. The findings indicate that the procedures for granting Multi-Purpose Credit have been implemented systematically in accordance with applicable regulations and the banking prudential principle. The identified challenges are addressed through more thorough document inspections, providing prospective borrowers with information about credit requirements, and improving service flow management. Therefore, the implementation of these procedures supports safe and efficient credit distribution while minimizing the risk of non-performing loans.]]>
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