I. Introduction
BANK PERKREDITAN RAKYAT (BPR) is a well-known bank that serves a group of micro, small, and medium enterprises that close to customers. As a financial institution, BANK PERKREDITAN RAKYAT (BPR) is under the supervision of Indonesian central bank (Bank Indonesia) [1]. Based on Indonesia regulation, there are two types of bank, i.e., commercial banks and BANK PERKREDITAN RAKYAT (BPR).