Abstract :
Briguna works are loans to prospective borrowers with resources derived
from fixed income payment received per month. Payroll bri means payroll
prospective debtors through BRI. Briguna works can be used for consumptive and
productive purposes such as buying a house, a vehicle, the cost of education, open
a business, and others. Briguna work of a long-term loan with a maximum term of
15 years (180 months). Briguna refund form works with total installments paid
every month until the credit period is completed.
Collecting source data used is primary data obtained from the banks and
secondary data obtained from reference books. The data collection was done by
direct observation at Bank Rakyat Indonesia Branch Pahlawan Surabaya and
interviewed the employee's part Briguna.
Results of this observation is to know the terms and conditions of credit
application, credit application procedures Briguna work, the calculation method
applied BRI installments, loan repayment procedures, as well as obstacles and
solutions. Based on the observations it can be concluded that the procedures for
granting works briguna credit payroll BRI at Bank Rakyat Indonesia Branch
Pahlawan Surabaya consists of several phases: credit application, check the
completeness of the file, credit analysis, verification, credit decision, the loan
agreement, dropping credit, credit monitoring and credit repayment. Repayment
Briguna payroll works Bank Rakyat Indonesia Branch Pahlawan Surabaya there
are two kinds of advanced repayment and repayment in accordance period.
Keyword: works briguna credit, long term loans, Bank Rakyat Indonesia
branch Pahlawan Surabaya