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All Journal ProBisnis : Jurnal Manajemen International Journal of Economics, Science, and Education (IJESE)
Br Ginting, Elrisa Marsanda
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Humanities Computer Science & IT Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences Other

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Analysis Of 5C Principles In Bank To Minimize The Occurrence Of Credit Contracts Sinaga, Juli Kristabel; Br Ginting, Elrisa Marsanda; Girsang, Fani Magdalena; Hasyim
ProBisnis : Jurnal Manajemen Vol. 14 No. 6 (2023): December: Management Science
Publisher : Lembaga Riset, Publikasi dan Konsultasi JONHARIONO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62398/probis.v14i6.364

Abstract

This research discusses the importance of analyzing the 5C principles in managing bank credit to minimize the risk of non-performing loans. The research method used is a qualitative approach with descriptive analysis and a library research approach. The research results show that banks need to consider the character, capacity, capital, collateral and condition of prospective debtors before providing credit to minimize the risk of credit congestion. These factors, known as the 5C principles, help banks assess credit provision and minimize the risk of non-performing loans. Research also highlights the role of character, capacity, collateral, capital and economic conditions in assessing credit provision. The 5C principles are used as a guide for credit analysts in banking institutions to ensure credit is provided with minimal risk. Thus, this research provides comprehensive insight inukughgyto the importance of the 5C principles in bank credit management to minimize the risk of non-performing loans
Strategies To Increase Financial Access For Small Medium Enterprises Case Study: Trisakti Vegetable Trading Business Br Ginting, Elrisa Marsanda; Kristabel Sinaga, Juli; Siahaan, Leonardo; Ginting, Lola Br; Simanjuntak, Lola Vitaloka
International Journal of Economics, Science, and Education Vol. 2 No. 1 (2025): International Journal of Economics, Science, and Education (IJESE)
Publisher : CV Pena Jaya Pers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65254/ijese.v2i1.30

Abstract

MSMEs have a strategic role in supporting Indonesia's economic growth, but often face major challenges, including limited access to capital. This study aims to analyze capital challenges and formulate strategies to improve access to capital for UD Sayur Trisakti, an MSMEs operating in the agribusiness sector. Using a qualitative descriptive approach and SWOT analysis, this study found that limited capital, fluctuations in raw material prices, and dependence on local suppliers are the main obstacles. As a solution, it is recommended to utilize financing programs such as People's Business Credit (KUR), financial literacy training, and the use of digital technology such as crowdfunding. The results of this study are expected to be a practical reference for other MSMEs and for policy makers in designing more effective support for the MSMEs sector. Keywords: MSMEs, access to capital, SWOT analysis, development strategy.
Co-Authors Ginting, Lola Br Girsang, Fani Magdalena Hasyim Kristabel Sinaga, Juli Siahaan, Leonardo Simanjuntak, Lola Vitaloka Sinaga, Juli Kristabel