Abstract :
This study focuses on research of policy and with case study in BRJ branch of
Purwokerto. It attempts to achieve three main purposes: (1) to observe the
distribution of credit to microfinance, (2) to observe the problems that occurred in
microfinance credit distribution, (3) to observe what kind of strategy that BRJ used to
occure the problems in microfinance credit distribution.
The results of this study stated that BRI branch of Purwokerto has always been
practicing prudential banking principles, by prioritizing loan quality above other
things. BRI maintained loan quality was also due to the implementation of
comprehensive and thorough risk management practices implemented throughout
every business line, alongside with a very selective market targeting to be strong
enough against macro economy upheavals, and also due to good loan monitoring and
supervisions by all credit line officials.
Keywords : microfinance, microfinance credit, Bank Rakyat Indonesia (BRJ).