OPTIMIZATION OF DISTRIBUTION OF FUNDSBANK PEMBANGUNAN DAERAH BALI

ABSTRACT: The purpose of this research is to find out whether the distribution of funds into various types of loans from Bank BPD Bali is optimal. This research is a quantitative descriptive research that is, explains the optimal credit portfolio. The data used is the mobilization of funds and lending Bank BPD Bali in 2018. The analysis technique used is linear programming. The results showed that the composition of the distribution of funds in MSME loans amounted to Rp5,632 billion, working capital loans amounted to Rp2,602, investment loans amounted to Rp4,276, consumption loans amounted to Rp10,021 with total profits of Rp1471.14 billion, whereas funds that had been channeled to Bank BPD Bali in 2018, namely to MSME loans of Rp6,086 billion, working capital loans of Rp2,602, investment loans of Rp4,276, consumption loans of Rp9,567 with total profits of Rp1443.91 billion, which means the distribution of funds in the Bank BPD Bali 2018 credit is considered not optimal, so by using the linear programming method, the composition of the distribution of funds on the optimal credit is obtained
.KEYWORDS : optimalization, type of credit, linear programming