<![CDATA[Credit management is an act of managing credit by bank, consisting every stage of planning, organizing, actuating, and controlling, so that the credit itself can be absorbed by the market, while it is still in alignment with regulations. Hence it can be major source of income for the banks. Within planning stage, bank should consider all aspects that can affect plan formulation, such as fund structuring, laws and regulations on reserve requirement, legal lending limit, loan to deposit ratio, and other laws and regulations related to credit funding and banking activities. This paper will discuss several approaches on credit funding and also several quanitative methodes for determining credit volume and alocation. These quantitative methods will give us value of credit that will be marketed on certain period.]]>
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