FAKTOR-FAKTOR YANG MEMPENGARUHI PENOLAKAN KREDIT MODAL KERJA PADA PT BANK SUMUT KCP HALAT -MEDAN

Abstract

This study is to find out the factors that affect the rejection of working capital credit at PT Bank SUMUT KCP Pasar Halat – Medan, by developing concepts and collecting data related to factors that affect the rejection of working capital credit. The data type includes primary data sourced from KCP Sukaramai and KCP Halat – Medan, secondary data from the reference book. Data collection techniques: observation, interview and documentation. The conclusion that can be taken that the factors that affect the rejection of working capital credit are: the validity of the debtor's data, so that the business is not worth giving funds, insufficient collateral, the existence of arrears in other banks, the debtor does not have a good itikat, fictitious business, the debtor is less able to manage the business.