Research Article Open Access

The Study of Bank Nagari Credit Template, Indonesia

Abstract

The purpose of this study is to design software which can assist the Bank in determining who the prospective customer is eligible to receive KUR or not the computerized system so that the decision-making process can be more efficient, saving time and Human Resources (HR). AHP method is used to determine which prospective borrowers are deserving of KUR Bank Nagari taking into account the criteria that have been determined by the Bank. The criteria on which the decision by the Bank in determining the prospective debtors are credit status, business productivity, business conditions, and warranties. The result of the calculation of benefits and costs shows that template NPV greater than without template. This indication shows that the more effective use of KUR template and has a high accuracy rate.

Heryanto

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