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Journal : Majapahit Journal of Islamic Finance dan Management

The Urgency of the 5C Principle in Minimizing Financing Risk at Bank Syariah Indonesia KC Diponegoro Andriyani, Rizki; Kurniawan, Muhammad; Nurmalia, Gustika
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.555

Abstract

The purpose of this study was to analyze the urgency of the application of the 5C principles in minimizing the risk of financing at Bank Syariah Indonesia KC Diponegoro. This research includes a type of Field Research (field research) which is essentially a method to find specifically and realistically about what is happening in society. As for the informants in this study amounted to 5 people who consist of employees of bank BSI AFO Division (Area Financing Operation) and customers of Bank Syariah Indonesia (BSI) KC Bandar Lampung. Overall, the application of the 5c principles includes character assessment through interviews and track records, Capacity through business observation and cash flow analysis, Capital from the customer's initial capital, Collateral as additional liquid and legal security, and Condition through environmental economic analysis is a comprehensive approach that is essential in mitigating financing risks in Islamic banking. This study implies that the optimal application of the 5C principles (Character, Capacity, Capital, Collateral, and Condition ) can significantly minimize the risk of financing at Bank Syariah Indonesia KC Diponegoro, resulting in a positive impact on the financial health and sustainability of the bank's operations. This study offers an original perspective by specifically analyzing the urgency of implementing the 5C principles (Character, Capacity, Capital, Collateral, Condition) in minimizing financing risks at Bank Syariah Indonesia KC Diponegoro, filling the void of in-depth empirical studies on Sharia entities in the region.
Co-Authors Abdul Khair Adelia, Mela Adie Kurbani Aditami, Fakikha Aditya Dwi Putra Agung Sih Kurnianto Agus Kurniawan Agus Muldiyanto, Agus Agus Mulyani ahmad habibi Ahmad Junaidi Ahmad MAULANA Ahmad Syukri Akbar, Andi Alif Akbariansyah, Akbariansyah Akhmad Mansyur, Akhmad Akila Akila, Akila Al Irsad, Muhammad Afif Amalia, Rahma Amelia Amelia AN, Alfun Dhiya Andi Irwan Nur, Andi Irwan Andriyani, Rizki Anik Setyo Wahyuningsih Annisa, Rahmatul Izzah Anriyani, Yuyun Aprizal Fikri Arif Mohammad Siddiq Asham Bin Jamaluddin Asriani Asriani, Asriani asya, Falakh izat Aulia, Dzacky aulia, zahara Badriyah, Hasna Baehaqi, B Bayu Hardiono Brafianto, Dary Rafi Budisantoso Wirjodirdjo Cahya, Dea Dwi Cahyo Seftyono Caniago, Adidtiya Caniago, Adidtiya Putra Citra Etika Daniarso, Indra Purnama Desta Septa Liana Dian, Faizal Dina Sri Nindiati Dinanda, Firmansyah Dwi Saputro, Wahyu Dwijaningtyas, Srinata Edduar Hendri, Edduar Edi Kurniawan Erdiansyah Erike Anggraeni Ermini Ermini Ersi Sisdianto Eva, Eva Evi Ekawati Evi Widowati Fadhillah, Fadhillah Falinda, Monica Firmansyah, Puji Gazali, Akhmad Gustika Nurmalia Handayani, Nur Fitri Hantari, Indiarti Amrih Hapsari, Roro Retno Sri Haque, Gabriel Harus Laksana Guntur Hasanah , Rini Nur Heni Noviarita Hidayat, Muhammad Farid Himawari, Waseda Ifa, Khoirum Rodhiatul Imam Robandi Imam, Muhammad Taufik Imron, Khafit Imsar, Imsar Indri Rahmawati Ingwar, Rafly Irwan Irwan Is Susanto Jefrianto, Muhammad Joni Iswan Julius, Kadir Khafiah, Lastri Kholiq, Mu’amalatul Kholiq, Mu’amalatul Kholiq, Nur Komala Sari Krisna, Krisna Kristianto, Aditia Dwi Kurbani, Adie Latuconsina, Rio Irawan Ma'rifah, Siti Khainifatun Ma'rifah, Siti Khanifatun Maliah Maliah, Maliah Marini Mariska, Nia Maulana, Abdul Aziz Ma’arif, M. Samsul Ma’rifah, Siti Khainifatun Ma’rifah, Siti Khanifatun Mia Selvina Mucharif, Toat Muchyiddin, Muhammad Imam Mudjiastuti Handajani Muhammad Fauzi Muhammad Kautsar, Muhammad Muhammad Ruswandi Djalal Muhammad Wildan Muhiddin Palennari Mursalin . Muslikah, Aliyah Mutiasari Nur Wulan Nafi'ah, Fadila Nurun Natha, Kanidra Ni Ketut Aryani Ninin Non Ayu Salmah, Ninin Non Ayu Nisa’ Ulul Mafra nisye frisca andini, nisye frisca Normasyhuri, Khavid Nurhamidah Nurhamidah Nurkardina Novalia Nurul Wahidah Nurwijayanti Oktanira, Celsi Perdana, Baratadewa Sakti Perdana, M. Ridho Pradipta, Doni Prakasa, Mohamad Almas Pramestu, Rilo Abdi Pramudita Wisnu Kusuma, Tri Atmaja Pratiwi, Nathania Pratiwi, Palupi Pratiwi, Risya Hidayani Pratomo, Dimas Pujianti, Eva Purjianto Purwanti, Epi Putera, M. Luthfi Setiarno Putra, Riki Wanda Rachmanio, Nicko Rahayu, Octavia Rahma Mutiara Dewi Rahmat, Rahmat Robani Ramadhani, Akhmad Ramly, Arroyyan Rendy Setiawan Restianita, Oza Rini, Bela Okta Robyardi, Erfan Romansah, Dedi Rony Seto Wibowo Rosida, Yasfi Nur Ro’uf, Muhammad Fatkur Saemayaroh, Saemayaroh Salas, Hagi Julio Salman Al Farisi, Salman Salni, Muhammad Alfath Salvano Santi Puspita Santoso, Dimas Budi Sari, Dita Indah Sejati, Dhimas Ilham Septiana, Eka Sidiq, Azwar Simanjuntak, Muhammad Rasyid Ridho Siti Komariah Hildayanti, Siti Komariah SN Nurul Makiyah Soltana Guesmi Suci Novia Rahmadani Suhada Suhada, Suhada Sulistiyowati, Hari Sulistyani, Ummi Nur Laila Sundari Suryandari, Galuh Suryani, Lena Susanto, Is Syarif, Hazas Tahta Rajani Tiara, Liensa Tinartayu, Seshy Tiyan, Lucky Totok Sudiyanto, Totok Tri Nurwati Usman, Benny Veronica, Meilin Vicky Saherty Yahya Warohmah, Fiftry Mifthoh Warohmah, Fitry Mifthoh Wati, Asri Widia Wenang, Supriyatiningsih Yanti, Siti Komariah Hilda Yatno, Langan Driansyah Dwi Yatno, Langandriansyah Dwi Yoannisa, Rayhanizar Zathu Restie Utamie Zulham Effendi