Font Size:
Procedures of Commercial Credit Granting Procedures at PT. Bank Nagari Siteba Branch
Last modified: 2026-05-20
Abstract
This study aims to analyze the procedures for granting commercial credit at PT. Bank Nagari Siteba Branch, including the process, requirements, and credit growth during the period of 2021–2025. The research method used is a descriptive method with a qualitative approach, by collecting data through literature study and documentation. The results show that the procedures for granting commercial credit have been implemented in accordance with the prudential banking principle through the application of 5C, 7P, and 3R credit analysis, supported by the completeness of administrative requirements that must be fulfilled by prospective debtors. The main target of commercial credit is focused on productive businesses, especially Micro, Small, and Medium Enterprises (MSMEs) that have good business prospects and repayment capacity.
Based on the data analysis, the growth of commercial credit at PT. Bank Nagari Siteba Branch shows a fluctuating pattern. There was a significant increase in 2022 and 2023, followed by a slowdown in 2024 and a decline in 2025. This condition is influenced by various factors, such as economic conditions, credit policies, and credit risk levels. Overall, the performance of commercial credit distribution is considered fairly good; however, it still requires more optimal management to maintain growth stability and minimize the risk of non-performing loans.
Based on the data analysis, the growth of commercial credit at PT. Bank Nagari Siteba Branch shows a fluctuating pattern. There was a significant increase in 2022 and 2023, followed by a slowdown in 2024 and a decline in 2025. This condition is influenced by various factors, such as economic conditions, credit policies, and credit risk levels. Overall, the performance of commercial credit distribution is considered fairly good; however, it still requires more optimal management to maintain growth stability and minimize the risk of non-performing loans.
Keywords
Commercial credit, credit procedures, credit growth, prudential banking principle, banking.
References
Ananda c, F. 2023. “Pertumbuhan Ekonomi Sumatra Barat,Perfektif Pembagunan.” JURNAL pertumbuhan ekonomi 2(3): 91–107. doi:10.32639/jimmba.v3i4.936.
ANCIN. 2016. “Pengaruh Kredit Konsumsi Terhadap Produk Domestik Regional Bruto.”
PEMBAGUNAN DAN PEMERATAAN 9(2): 114–26.
Andani, Misa Nora, and Ratna Widayati. 2020. “PADA BANK NAGARI CABANG SITEBA.” misra nora andani,ratna widiayati 1: 1–11.
Dedi Mulyadi 2024. “Identifikasi, Penanganan, Dan Penyelesaian Kredit Bermasalah Pada Bank Perkreditan Rakyat 1,2,3.” 2(September): 146–53. Bermasalah, Meminimalkan Kredit. (3): 1–24.
Kristianti, Dewi Sukma. 2014. “Kartu Kredit Syariah Dan Perilaku Konsumtif Masyarakat.” Jurnal Ilmu Syariah 14 No.2: Tidak tertera nomor halaman pada sumber.
kumala saiful 2018.PENGARUH PENYALURAN KREDITKOMERSIL TERHADAP KREDIT BERMASALAH PADA PT.BANK RAKYAT INDONESIA(Persero)Tbk.CABANGKEP.”
purnomo B. 2013. “Analisis Perbandingan Kredit Konsumtif Dan Produktif Terhadap Pertumbuhan Ekonomi.” pembaguanan dan pemertaan 4(1): 75–89.
putra A.,& RAHMAN, F. 2025. “Analisis Dampak Investasi Sektor Unggulan Terhadap Perekonomian Sumatra Barat.” PEMBAGUNAN NAGARI 5(1): 15–29.
Rahmat, H. 2025. “Strategi Perencanaan Infrastruktur Jalam Dalam Mendukung Pembagunan Ekonomi Masyrakat Sumatra Barat.” Aministrasi da kebijakan publik 7(1): 60–76.
Riana Multhazam, Nurul Fajriah Yahya & Muhammad Qadafi Zulkarnain. 2026. “Analisis Kinerja Pt. Bank Nagari Menggunakan Camel.” Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi 6.No. 1: 407–21.
Ramadhani, S., Rinaldo, J., & Bustari, A. 2023 Tingkat, Pengaruh, Suku Bunga, Kredit Dan, Jangka Waktu, Terhadap Penyaluran, Kredit Konsumtif, and Kepada Pegawai. 3(1): 110–20.
Kasmir 2016 “Pengaruh Tingkat Suku Bunga Kredit Dan Jangka Waktu Kredit Terhadap Penyaluran Kredit Konsumtif Kepada Pegawai Negeri Sipil Pada Bank Nagari.” 3(1): 110–20.
ANCIN. 2016. “Pengaruh Kredit Konsumsi Terhadap Produk Domestik Regional Bruto.”
PEMBAGUNAN DAN PEMERATAAN 9(2): 114–26.
Andani, Misa Nora, and Ratna Widayati. 2020. “PADA BANK NAGARI CABANG SITEBA.” misra nora andani,ratna widiayati 1: 1–11.
Dedi Mulyadi 2024. “Identifikasi, Penanganan, Dan Penyelesaian Kredit Bermasalah Pada Bank Perkreditan Rakyat 1,2,3.” 2(September): 146–53. Bermasalah, Meminimalkan Kredit. (3): 1–24.
Kristianti, Dewi Sukma. 2014. “Kartu Kredit Syariah Dan Perilaku Konsumtif Masyarakat.” Jurnal Ilmu Syariah 14 No.2: Tidak tertera nomor halaman pada sumber.
kumala saiful 2018.PENGARUH PENYALURAN KREDITKOMERSIL TERHADAP KREDIT BERMASALAH PADA PT.BANK RAKYAT INDONESIA(Persero)Tbk.CABANGKEP.”
purnomo B. 2013. “Analisis Perbandingan Kredit Konsumtif Dan Produktif Terhadap Pertumbuhan Ekonomi.” pembaguanan dan pemertaan 4(1): 75–89.
putra A.,& RAHMAN, F. 2025. “Analisis Dampak Investasi Sektor Unggulan Terhadap Perekonomian Sumatra Barat.” PEMBAGUNAN NAGARI 5(1): 15–29.
Rahmat, H. 2025. “Strategi Perencanaan Infrastruktur Jalam Dalam Mendukung Pembagunan Ekonomi Masyrakat Sumatra Barat.” Aministrasi da kebijakan publik 7(1): 60–76.
Riana Multhazam, Nurul Fajriah Yahya & Muhammad Qadafi Zulkarnain. 2026. “Analisis Kinerja Pt. Bank Nagari Menggunakan Camel.” Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi 6.No. 1: 407–21.
Ramadhani, S., Rinaldo, J., & Bustari, A. 2023 Tingkat, Pengaruh, Suku Bunga, Kredit Dan, Jangka Waktu, Terhadap Penyaluran, Kredit Konsumtif, and Kepada Pegawai. 3(1): 110–20.
Kasmir 2016 “Pengaruh Tingkat Suku Bunga Kredit Dan Jangka Waktu Kredit Terhadap Penyaluran Kredit Konsumtif Kepada Pegawai Negeri Sipil Pada Bank Nagari.” 3(1): 110–20.
Full Text:
PDF