Implementasi Prinsip 5C Guna Mencegah Resiko Wanprestasi dalam Pemberian Kredit pada Bank Milik Pemerintah Daerah
DOI:
https://doi.org/10.62383/pk.v1i4.101Keywords:
Implementation, Credit, 5C PrinciplesAbstract
This study aims to determine the risks that must be considered by banks before providing credit in order to prevent default and to know the implementation of the 5C principles that are applied when granting credit in PT. BANK BPD BALI Cabang Utama Denpasar, Denpasar. The writing of this research uses the type of empirical research, the location where this research takes place is in PT. BANK BPD BALI Cabang Utama Denpasar, Denpasar. In this research, the law approach and the fact approach are used. The results of the study can be explained that there are two risks that must be considered before giving credit, namely the risk of the bank's reputation and the risk of bank losses, besides that there is also the risk of credit problems. And the implementation used by PT. Bank BPD BALI Cabang Utama Denpasar are interviews and verification as the initial foundation, and the implementation of credit principles using the credit principles of 5C, Character, Capacity, Capital, Collateral and Condition.
Downloads
References
BUKU
Widiyono, Try, Agunan Kredit dalam Financial Engineering, (Bogor: Ghalia Indonesia, 2009), hal 1.
Sutedi. Adrian, Hukum Perbankan , (Jakarta, Sinar Grafika, 2010). hlm. 27
Sutedi, Adrian, Hukum Perbankan Suatu Tinjauan Pencucian Uang, Merger, Likuidasi dan Kepailitan (Jakarta: Sinar Grafika, 2010) hlm. 145.
Husein, Yunus, Rahasia Bank Privasi Versus Kepentingan Umum (Jakarta: Program Pasca Sarjana, 2003) hlm.145.
JURNAL
Nawawi, Ismail, Perbankan Islam Vs Konvensional, Jakarta: VIV Press, 2010, h. 87.
Lailiyah, Ashofatul. “Urgensi Analisa 5c Pada Pemberian Kredit Perbankan Untuk Meminimalisir Resiko.” Yuridika: Volume 29 No 2, Mei-Agustus 2014 hlm. 217.
Utami, Putu Devi Yustisia, dan Dewa Gede Pradnya Yustiawan, “Non-Performing Loan sebagai Dampak Pandemi Covid-19: Tinjauan Force Majeure Dalam Perjanjian Kredit Perbankan.” Jurnal Kertha Patrika, Vol. 43, No. 3, Desember 2021: 2579-9487.
Dewi, Lusiana Kurnia dan Putu Devi Yustisia Utami, “Penyelesaian Kredit Bermasalah Akibat Dampak Covid-19 Dengan Restrukturisasi Kredit”. Jurnal Kertha Desa, Vol. 9 No. 10. (2021).
Utami, Putu Devi Yustisia, I Made Pasek Diantha, dan I Made Sarjana. “Kedudukan Hukum Grosse Akta Pengakuan Hutang Notariil Dalam Pemberian Kredit Perbankan”. Acta Comitas Jurnal Ilmiah Prodi Magister Kenotariatan, Vol. 3 No. 1 2017 – 2018, Hlm 208.
Joyosumatro, Subaryo, “Upaya-upaya Bank Indonesia dan Perbankan Dalam Menyelesaikan Kredit Bermasalah”, Majalah Pengembangan Perbankan, Edisi Mei-Juni 1994 No.47, h.13.
Wardani, P., Rudy, D., & Wiryawan, I, Implementasi Prinsip Kehatihatian Dalam Pemberian Kredit Pada PT BPR Sinar Putera Mas, Vol.01, No.08 2013, Jurnal Ilmiah Ilmu Hukum Kertha Semaya, Fakultas Hukum, Universitas Udayana, Bali, h.5.
Guntara, I Made Adi, dan Ni Made Ari Yuliartini Griadhi, “Penerapan Prinsip 5c Sebagai Upaya Perlindungan Terhadap Bank Didalam Menyalurkan Kredit”. Jurnal Hukum Universitas Udayana, Hlm. 3.
Ismawanto, Totok, Pengembangan 3R dan 6C dalam Penyaluran Kredit untuk Meminimalkan NPL dan Meningkatan Profitabilitas. JSHP VOL. XX NO. XX, Th. 2018, Hlm. 4
Siregar, Lukman Hakim, dan Mekar Meilisa Amalia. Implementasi Dan Prinsip Kehati - Hatian (Prudential Banking Principle) Pembiayaan Mikro Bank Syariah Mandiri Cabang Medan Marelan. Jurnal Warta Edisi : 59. Th. 2019.
UNDANG-UNDANG
Undang-Undang No. 10 Tahun 1998 Tentang Perbankan.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2024 Pemuliaan Keadilan
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
