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Sabri Nurdin
Politeknik Negeri Samarinda
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Journal : Jurnal Eksis

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Analisis Faktor Penyebab Terjadinya Kredit Macet pada PT Bank Rakyat Indonesia (Persero) Tbk Unit Sangasanga Periode Tahun 2015-2018 Sabri Nurdin; Khairil Akbar; Risma Noormawati
Jurnal EKSIS Vol. 18 No. 2 (2022): OCTOBER
Publisher : Politeknik Negeri Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46964/eksis.v18i2.306

Abstract

This research aims to analyze and determine the effect of 5C Principles, namely: Character (X1), Capacity (X2), Capital (X3), Collateral (X4), and Condition of Economy (X5) on bad credit (Y) at PT Bank Rakyat Indonesia (Persero) Tbk Sangasanga Unit for the period 2015-2018. This research was conducted in Sangasanga District, Kutai Kartanegara Regency. In this research using primary data obtained from the distribution of the Sangasanga Unit BRI customer questionnaire as many as 100 respondents. Sampling is done by probability sampling technique using Slovin formula. The type of data in this study is quantitative data and uses the method of multiple linear regression analysis analyzed in statistics with the help of SPSS version 23. Testing of the hypothesis used is a partial statistical test (t test) and simultaneously (f test). Partial test results in this study indicate that Character has a positive and significant effect on bad credit, Condition of Economy has a positive and significant effect on bad credit, while Capacity has a negative and not significant effect on bad credit. Capital has a negative and insignificant effect, Collateral has no effect negative and not significant to the existence of bad credit. Simultaneous test results show a significance value of 0,000 which means that Character (X1), Capacity (X2), Capital (X3), Collateral (X4), and Condition of Economy (X5) have a joint effect on bad credit (Y) on PT Bank Rakyat Indonesia (Persero) Tbk Sangasanga Unit.
Penerapan Prinsip 5C Upaya Memperkecil Resiko Kredit Macet terhadap Penyaluran Kredit pada PT Bankaltimtara Unit Samarinda Sabri Nurdin
Jurnal EKSIS Vol. 19 No. 1 (2023): APRIL
Publisher : Politeknik Negeri Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46964/eksis.v19i01.390

Abstract

Penerapan Prinsip 5C Terhadap Pemberian Keputusan Kredit Di PT. Bankaltimtara Kantor Unit Samarinda. Berdasarkan ketentuan BI penyaluran kredit didasarkan pada prinsip kehati-hatian. Bentuk penerapan prinsip kehati-hatian adalah penyaluran kredit kepada debitur yang didasarkan pada prinsip 5C. Penelitian ini bertujuan untuk : (1) mengetahui bagaimana penerapan prinsip 5C terhadap pemberian keputusan kredit pada PT. Bankaltimtara Kantor Unit Samarinda ; (2) unsur C manakah yang paling dominan dalam pemberian kredit pada PT. Bankaltimtara Kantor Unit Samarinda. Jenis data yang digunakan yaitu data sekunder. Metode pengumpulan data meliputi : (1) Diskusi Langsung; (2) Observasi; (3) Studi literatur. Hasil penelitian menunjukkan dalam memberikan kredit kepada nasabah, terlebih dahulu melakukan penilaian kepada calon debitur dengan menggunakan prinsip analisis 5C (the five c’s of credit) : Penilaian Watak (Character): merupakan keadaan watak/sifat calon debitur, baik dalam kehidupan pribadi, maupun dalam lingkungan usaha. Penilaian Kemampuan (Capacity): merupakan suatu penilaian kepada calon debitur mengenai kemampuan melunasi kewajiban. Penilaian terhadap modal (Capital): kondisi kekayaan yang dimiliki oleh perusahaan yang dikelolanya efektif atau tidak menggunakan modal tersebut. Penilaian terhadap agunan (Collateral): jaminan yang diberikan calon nasabah baik yang bersifat fisik maupun nonfisik. Penilaian terhadap prospek usaha debitur (Condition of Economy): Penilaian kondisi atau prospek dibidang usaha yang di biayai memiliki prospek yang baik sehingga kemungkinan terjadi kredit bermasalah relatif kecil.
Co-Authors Diana Indriyani Lasabuda Jayana Hurairah Khairil Akbar Makmur Makmur Marzuki Rafiqoh Rafiqoh Rifadin Noor Risma Noormawati Yunus Tulak Tandirerung