Abstract :
This research was conducted to find out the existing treatment at Bank Jatim Capem
Undaan. Banking is a main sector in a country's economy, because most of the country's
economic activities involve financial transactions that use banking services. As we know,
according to Law no. 10 of 1998 concerning banking, a bank is called a business entity that
collects funds from the public in the form of savings and distributes them back to the public in
the form of credit or other forms. According to (Kasmir, 2014: 113), credit is the provision or
bill of money based on approval and agreement between the bank and other parties which
requires the funded party or debtor to return the money or bill after the promised period.
according to banking law, namely Law no. 7 of 1998, that credit is "The provision of money
or bills that can be equated based on an agreement or loan agreement between the bank and
another party and requires the borrower to pay off the debt with the amount of interest,
compensation or other profit sharing within the agreed time period."