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All Journal Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah
Ratnasari, Rita
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Economics, Econometrics & Finance Education

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IMPLEMENTASI PRINSIP 5C DALAM MENENTUKAN KELAYAKAN PEMBERIAN KREDIT PADA NASABAH Djuarni, Wenny; Ratnasari, Rita
Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah Vol 2, No 2 (2022): September
Publisher : Universitas Suryakancana

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (258.453 KB) | DOI: 10.35194/arps.v2i2.2626

Abstract

ABSTRAKArtikel ini bertujuan untuk mengetahui implementasi prinsip 5C dalam menentukan kelayakan pemberian kredit serta pengaruh terhadap besarnya Non Performing Loan (NPL). Metode yang digunakan adalah metode analisis deskriptif kualitatif. Hasil penelitian menyimpulkan bahwa PT. BPR Kerta Raharja dalam tahap proses Implementasi prinsip 5C dalam pemberian Kredit Multiguna telah dilaksanakan sesuai dengan prinsip yang dilakukan bank sebelum suatu fasilitas kredit diberikan dimana bank harus merasa yakin bahwa kredit yang diberikan benar-benar akan kembali. Adapun perkembangan Non Perfoming Loan (NPL) di PT. BPR Kerta Raharja Cabang Banjaran pada tahun 2021 mengalami fluktuasi Non Perfoming Loan (NPL). yaitu dari bulan Januari sampai dengan Oktober rata-ratanya menunjukan kurang dari 5%.ABSTRACTThis article aims to determine the implementation of the 5C principle in determining creditworthiness and the effect on the size of the Non Performing Loan (NPL). The method used is descriptive qualitative analysis method. The results of the study concluded that PT. BPR Kerta Raharja is in the process of implementing the 5C principle in the provision of Multipurpose Loans, which has been carried out in accordance with the principles carried out by the bank before a credit facility is given where the bank must feel confident that the credit given will actually return. The development of Non-Performing Loans (NPL) at PT. BPR Kerta Raharja Banjaran Branch in 2021 experienced fluctuations in Non-Performing Loans (NPL). ie from January to October the average shows less than 5%.
Co-Authors Djuarni, Wenny Rahmi, Nashirotun Fitriani sari, nurpita