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Hesty Anjeli
Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi
Economics, Econometrics & Finance Education

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Penerapan “5C” dalam Mengantisipasi Pembiayaan Bermasalah pada Koperasi LKMA Prima Agung Dharmasraya Hesty Anjeli; Rahmi Isriani
Muamalah Insights : Journal of Islamic Entrepreneurship and Management Vol. 1 No. 3 (2026): September 2026
Publisher : Muamalah Insights : Journal of Islamic Entrepreneurship and Management

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/muamalahinsights.v1i3.1207

Abstract

This research is motivated by the high level of problematic financing at Koperasi LKMA Prima Agung Dharmasraya, which may affect the cooperative’s financial stability and operational sustainability. Data from 2020–2024 indicate that problematic financing remains relatively high, with collectibility classified as category 3 (substandard). Therefore, the implementation of the 5C principles is needed to anticipate financing risks. This study aims to analyze the implementation of the 5C principle and identify the obstacles faced in its application at LKMA Prima Agung Dharmasraya Cooperative. This research uses a qualitative descriptive approach. Data were collected through observation, interviews with cooperative management and members, and documentation. Data analysis was conducted through data reduction, data presentation, and conclusion drawing. The results show that the cooperative applies the 5C principle by assessing members’ character, capacity, capital, collateral, and economic conditions before financing approval. However, several obstacles remain, including inadequate economic conditions, low payment discipline, limited risk assessment, and weak post-disbursement monitoring. Strengthening the implementation of the 5C principle can help reduce problematic financing.
Co-Authors Rahmi Isriani