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Journal : ILJ: Islamic Learning Journal

ANALISIS PENERAPAN PRINSIP 5C+1A DALAM PROSES PEMBERIAN PEMBIAYAAN MIKRO PADA BANK SYARIAH Chasanah, Uswatun; Firmansyah , Muhibuddin
ILJ: Islamic Learning Journal Vol. 1 No. 3 (2023): Juli
Publisher : Program Studi Pendidikan Agama Islam STIT al Urwatul Wutsqo Bulurejo Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54437/iljjislamiclearningjournal.v1i3.1259

Abstract

Sharia Bank, inchanneling funds through financing, it is necessary to apply the principle of prudence todebtor, among which can be applied is p5C principles which include:Character, Capacity, Capital, Collateral, dan Condition of Economic. In addition, it is also necessary to consider aspects of 1A (Sharia) in decision making. The purpose of this study is to find out about the application of the 5C + 1A principles in the process of providing microfinance to Islamic banks.This study uses a qualitative method with a descriptive approach. By using two data sources, namely primary data obtained by conducting interviews with Islamic banks, secondary data obtained from literature, books, journals, the internet and previous research. In data analysis, the authors here use an inductive way of thinking that starts with data and information about the application of the 5C+1A principles in the process of providing microfinance to Islamic banks. The results of this study indicate that the application of the 5C+1A principles (Character, Capacity, Capital, Collateral, Condition of Economic and Sharia Aspects) in the process of providing microfinance to Islamic banks is carried out to prevent the process of providing financing that is not on target in order to minimize bad financing. However, even though the 5C + 1A principles have been implemented, bad/problem financing is sometimes unavoidable, so Islamic banks also need to implement a strategy for solving them.
Co-Authors Abdul Majid Abdul Rochman Abror, Sirojuddin Adrian, Firman Ardi Afandi, Nihro Afifah, Rahayu Nur AFIFI MUTIARANI Agil Dzikrullah, Ach. Agung Prabowo Agustin, Rizki Agustina, Isnaeni Ahmala, Majidatun Ahyar Ismail Aini, Dewi Nur Aisyah, Mutiara Akhmad Fauzi Ali Murtadho Ali, Ramsah Alihan Satra, Alihan Amiruddin, Muh Amrullah, A. Afif Ananta, Aldan Dwi Andani, Herika Juli Andi Prastowo Andriani, Vifi Asmaul Lutfi Marufah Aulia, Hani Ridha Auliyah, Khusnul Ayuningrum, Firda Azizah, Salma Nur Bambang Purwoko Bambang Purwoko BR Ginting, Alifa Humairah Cahyani, Pradina Zustrian Damat, Damat Daraini, Nur Sa’adatut Devi Dwi Siskawardani Dian Ermawati Didit Eko Prasetiyo Dyah Fajarsari Dyah Rahmasari Eko Handoyo Eli Masnawati Elyta, Erminda Katon Emawati, Sita Erik Aditia Ismaya Esti Hendradi Fadilah, Maulidia Ilham Fajar, Rizki Nur Fatkhan, Regita Amalia Firmansyah , Muhibuddin Fitria Prabandari Gerry Anugrah Dwiputra, Gerry Anugrah Halim, Muhammad Abi Sofian Abdul Handjani, Hany Hariani, Mila Haris , Abdul Haryadi, Madep Hasanah Setyowati Hawa, Alifya Nur Hayati, Angela Nora Hayati, Feb Amni Hidayah, Ian Fii Barril Humairah Humairah Ida Zahara Adibah, Ida Zahara Imam Mawardi Imam Sofi’i Imaniar Purbasari Irsalina, Siti Isbir, Moh. Issalillah, Fayola Istiningsih, Istiningsih JANNAH, ZAHROTUL Juhaeni, Juhaeni juhaeri, Juhaeri Junaidi.S , Agus Juniarty, Amelya Juraifa, Syalwa Anindya Kencana, Putri Nilam Khayru, Rafadi Khan Khoiriyatin, Vilda Zahrotul Kurniati, Edy Dwi Kurniyawati, Shobiroh Ulfa Kusmayati, Nindya Kartika Kustriyani, Menik LAILY PURNAWATI, LAILY Lalu Muhammad Irham Latifatun, Latifatun Lidia Lilik Wahyuni P Lukia Zuraida Lusiana Lusiana Machfud, Nailul Ulah Al Chumairoh Madlazim, M Mahardata, W. Dika Pradana Mahardhika, Chandra Leony Mathori, Muhammad Mayasari , Fransiska Dian Maylina Ilhami Khurniyati Mudasetia Hamid Mufatihatut Taubah, Mufatihatut Muhayarotun, Siti Muktamar Cholifah Aisiyah Mulawarman Mulawarman Munadjat, Baliyah Munawir Munawir Muzizah, Lita Fitroh Ardianti Nabila, Aisya Safira Nasikhah, Atiun Nia Shohaya, Jihan Nikmah, Uswatun Nining Sugihartini Nisrina, Khalda Novita Sari Novitasari, Tharisma Noviyanti, Iis Nursyifa, Aulia Nur’aini, Fitri Octavia, Devi Ristian Pangestu, Dimas Prayogo Permatasari, Ayudya Rizky Prasetiyo, Didit Eko Priharyanti Wulandari, Priharyanti Priyanto Priyanto Priyastiwi, Priyastiwi Purwoko Purwoko Puspita Zahra, Mayang Putri Yunita, Putri Putri, Millenia Yulanda Putri, Sakia Amanda Deviana Raditya Weka Nugraheni Rahayu Mardikaningsih Rahayu, Afiyah Wildah Rahma Suci, Tiara Rahmawati, Devi Sinta Ramdhani, Aris Nur Ratifah . Rizki Amalia Kinanthi, Imas Ruhansah, Vina Inayati Safaruddin Safira, Mirza Elmy Sahrupi, Sahrupi Sapto Yuliani Sari, Cindy Kartika Septiana, Ervina Sermi, Sermi Setyaningsih, Reni Shahnaz, Ifa Shofiyah, Roidatus Sinaga, Yumelin Adelina Siti Fatonah Solihah, Maratun Sri Afira Tuhyadi, Siti Ghaida Sri Sumarsih Supriani, Supriani Suwarno Suwarno Su’eb, Mochammad Talib, Uswatun Saidah A. Taufik Taufik Ta’in, Anas Tjahjono, Achmad Tugiyono Tugiyono Uswatun Hasanah Utami, Dwi Putri Ventura, Raghusfi Bhuena Vitrianingsih, Yeni Wahyudi, Kalvin Edo WARDANI, WINDY GUSTIA Wardhani, Ellen Kusuma Widayani, Hartanti Wijiati Wijiati Yatmi, Yatmi Yudi Wahyudin Yuliastutik, Yuliastutik Yusuf, Ujang Zaenal Abidin Zalfa, Khulaimata Zuliastuti, Vivi Zumirddat, Wa Ode