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All Journal Manajemen Bisnis Kompetensi Ilmiah Manajemen Bisnis Jurnal Ilmiah Universitas Batanghari Jambi Jurnal Ekonomi Manajemen Sistem Informasi Dinasti International Journal of Education Management and Social Science Ideguru: Jurnal Karya Ilmiah Guru Komitmen : Jurnal Ilmiah Manajemen International Journal of Science and Society (IJSOC) Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) JURNAL ILMIAH GEMA PERENCANA Majority Science Journal ENDLESS : International Journal of Future Studies Journal of Multidisciplinary Academic Business Studies Journal of Multidisciplinary Academic and Practice Studies Jurnal Ilmiah Pendidikan Citra Bakti Global Academy of Business Studies Journal of Digital Business and Marketing
Eka Desy Purnama
Universitas Kristen Krida Wacana
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mathematics Social Sciences Other

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Financial Literacy, Risk Tolerance, and Financial Inclusion on Investment Decisions: Investor Behavior Mediation Cristianto, Rendy; Purnama, Eka Desy
Journal of Digital Business and Marketing Vol. 2 No. 1 (2026): February
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/jdbm.v2i1.3946

Abstract

Purpose: This study analyzes the implementation of the 5C+1S Principles in Islamic Financial Institutions, focusing on its effectiveness in providing financing. Methods: This study used a descriptive research method. Data collection techniques included literature review and triangulation, utilizing various data sources to ensure comprehensive analysis. Results: The findings highlight several key points for each of the 5C+1S Principles. The Character principle emphasizes the importance of debtor discipline. The Capacity principle focuses on whether the customer owns a business, while capital concerns the amount of funds used by the debtor in their business. Collateral is the guarantee provided by the debtor, and the Condition of Economy evaluates the debtor's ability to handle future economic situations. The Sharia principle ensures that the customer’s business does not violate Islamic law and complies with the fatwa of the DSN. Conclusions: This study confirms that implementing the 5C+1S Principles is beneficial for Islamic Financial Institutions in ensuring responsible financing and minimizing the risk of bad debt. Limitations: The researcher acknowledges certain limitations of this study, particularly regarding the depth of analysis, as this study only briefly explores the 5C+1S principles in the context of financing. Contributions: The authors hope that this study will be useful and provide insights.
Co-Authors Adelia, Lisa Adirinekso, Gidion Budiman, Januar Chella , Chella Cristianto, Rendy Cynthia Deni Iskandar Diana Frederica Fransiskus Haris Leonard Girsang, Febrina Jayanti Hery Winoto TJ Hong, Joni Hutapea, Martogi Daniel Rudyanto Ivantoro, Donald Januar Heryanto Leny Apriyanti Liny, Liny Madali, Claudia Maryani, Rani Melitina Tecoalu Perastia, Sunardi Rita Widayanti Rosari, Fransisca Andriana Titi Rudolf Lumbantobing, Rudolf Sabandar, Veronica Franciska Santoso, Edi J. Sitompul, Swito Sri Wahyuni Subagyo Subagyo T. Widjaja, Bernard Utami, Kintan Wani Devita Gunardi Widjaja, Bernard T. William William