PD BPR BULUNGAN

Rural Banks - History, Definition, Business, Objectives, Targets, Types, Functions, Management, For example: Rural Banks, commonly abbreviated as BPRs, are a type of bank known to serve micro, small and medium-sized entrepreneurs with locations generally close to where people need it.nThe history of people's credit institutions began in the Dutch colonial period in the 19th century with the establishment of the Village Lumbung, the Village Bank, the Farmers Bank, and the Dagang Desa Bank, with the aim of helping farmers, employees and laborers to escape the trap of moneylenders (loan sharks). which provides high interest credit.nnAfter Indonesia's independence, several types of small financial institutions and financial institutions were established in rural areas such as Market Banks, Village Production Work Banks (BKPD), and starting in the early 1970s, Rural Credit Funds (LDKP) by Local Governments.nnIn 1988, the Government issued the October 1988 Policy Package (PAKTO 1988) through Presidential Decree No. 38, which became the initial momentum for the establishment of new BPRs. This policy provides clarity regarding the existence and business activities of “Rural Banks” or BPRs. With the issuance of Law No.7 concerning Banking 1992 (Law No.7 / 1992 concerning Banking), BPR was given a clear legal basis as a type of bank other than Commercial Banks.nnIn accordance with Law No.7 / 1992 concerning Banking, Non-Bank Financial Institutions that have obtained a business license from the Minister of Finance can adjust their business activities as a bank. In addition, it is also stated that small financial institutions such as Village Banks, Village Lumbung, Market Banks, Employee Banks, LPN, LPD, BKD, BKK, KURK, LPK, BKPD, and other equivalent institutions can be given status as an RB by fulfilling the requirements and procedures stipulated by a Government Regulation (PP).nnBank Perkreditan Rakyat, commonly abbreviated as BPR, is a type of bank that is known to serve micro, small and medium-sized entrepreneurs with locations that are generally close to where people need them. (BI)nnBPR is a bank financial institution that accepts deposits only in the form of time deposits, savings, and / or other equivalent forms and channels funds as a BPR business. BPRs have existed since the pre-independence era known as Lumbung Desa, Village banks, Tani Banks and Dagang Desa or Market Banks.nnBPR is a business entity that collects funds from the public in the form of deposits and distributes them to the public in the form of credit or in other forms in order to improve the standard of living of the people, many who carry out business activities conventionally or based on sharia principles which in their activities do not provide services in payment traffic. .nnBPR is an official banking institution regulated under Law No. 7 of 1992 concerning Banking and as amended by Law No. 10 of 1998. The law clearly states that there are two types of banks, namely Commercial Banks and BPRs.nnThe BPR function is not only to distribute credit to micro, small and medium entrepreneurs, but also to receive savings from the public. In distributing credit to the public, it uses the 3T principle, namely on time, on the right amount, on target, because the credit process is relatively fast, the requirements are simpler, and understands the customer's needs very well.

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