PROSES PENGELOLAAN DOKUMEN TUKAR JAMINAN PADA PT BANK RAKYAT INDONESIA (PERSERO) TBK. UNIT RANDUAGUNG KABUPATEN MALANG

This writing aims to find out that when carrying out credit financing, collateral is needed and to know the process of managing collateral exchange document. This research uses active participation, observation and interviews with the aim of helping collect data accurately. The results of this papershow that PT. Bank Rakyat Indonesia Unit Randuagung in the process of managing collateral exchange documents, involves several important stages, including customer document requirements in accordance with bank regulations when exchanging collateral, evaluating the value of assets to be used as collateral, and receiving proof of receipt of collateral, with the aim of providing protection for the bank if the debtor fails to pay. PT. Bank Rakyat Indonesia (Persero) Tbk. UniT Randuagung Kabupaten Malang has carried out collateral exchanges using very thorough processes and steps, thereby reducing the risk of loss for the bank.