PT Bank Rakyat Indonesia (Persero) Tbk has an important role in the economic development of the community by providing funds through credit facilities. One of the loans provided by BRI is BRIGUNA was dedicated to employees and retirees with the source of payment coming from fixed income in form of salary or pension. This scrunitize has purpose to discover the BRIGUNA loan distribution procedure at BRI. This observe uses interviews from related parties such as Credit Administration and Account Officers, literature study, and direct field observations. From these observations made it can be seen that the procedure for granting credit is Credit Requests, Credit Analysis and Decisions, Credit Realization and Documentation, as well as Monitoring and Coaching where the company should have a Cooperation Agreement (PKS) with the bank. From these scrunity it can be said that the distribution of BRIGUNA loans has been done properly in accordance with applicable regulations and BRIGUNA is one of the solutions for debtors to reign funds to fill their needs.

Keywords : Credit, Procedure, BRIGUNA