Haris Dinzah

Abstract:

This research was conducted to find out how the implementation of the Prudential Banking Principles in the approval of credit requests at BPR Graha Lestari, and how the appraisal and execution system for objects of bad credit collateral at BPR Graha Lestari.

The results of the research obtained are the implementation of the precautionary principle applied in the credit agreement by Bank BPR Graha Lestari, West Nusa Tenggara Province, including the obligation for the preparation and implementation of credit that is applied with the stipulation of written policies on credit and credit agreements. The Legal Lending Limit applied by the article amount clause in the credit agreement. The asset quality assessment applied with the 5C assessment, the establishment of the Credit Rescue Work Unit, and the existence of the dispute settlement clause article. The debtor information system that is applied to the completeness of the debtor’s identity and article representation and warranties clause. Application of the principle of recognizing customers that is applied with UKPN and the article of representation and warranties clause and negative clause.

Keywords:  prudential banking principles, guarantee, credit

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