摘要：Lending System is a set of procedures, rules, procedures of complex credit andstructured to normally used by an organization in order to channeling capital.Credit system is basically applied in order to minimize the risk to be borne bycredit institutions, namely Bank Tabungan Negara in the future. The methodused in the practical work of data types, among others: the primary data (creditdelivery system of Bank Tabungan Negara (Persero)), secondary data (theory ofliterature books), while the data collection techniques used include: observationtechniques, interviews, and literature study. The purpose of this practical work isto determine the extent to which the credit delivery system is applied in BankTabungan Negara (Persero). From the work of the practice is known that thecredit delivery system in Bank Tabungan Negara (Persero) is divided into threestages. Each stage has individual character. Emphasis credit system lies in thecredit analysis by taking into account factors? Another key factor. The partiesconcerned include lenders, developers, and the debtor. Key Words : mortage, credit, rules, procedures of complex credit
