PENEREPAN 5C DALAM MENENTUKAN KELAYAKAN PEMBERIAN KREDIT KUPEDES PADA PT. BANK RAKYAT INDONESIA (PERSERO) TBK. UNIT DINOYO 1

ABSTRACT

Credit risk does not only occur from the debtor's side, but from the creditor's side it can also occur, such as a lack of accuracy in analyzing creditworthiness. With the risks that may occur, the bank, especially the Account Officer, can minimize the risk with accuracy and accuracy. The analysis is carried out using the 5C principle (Character, Capacity, Capital, Collateral, Condition of Economic).
This research uses Descriptive Qualitative research methods, namely by collecting and analyzing data so that it can provide an overview in accordance with the title that has been described. The data collection techniques used are interviews and documentation.
The results of this study can explain that the 5C Application Analysis has been applied at PT Bank Rakyat Indonesia Dinoyo Unit 1 starting from the submission of files by the debtor, checking the completeness of documents, checking SLIK, interviews, checking the place of residence and business activities of the debtor, analyzing and calculating Kupedes until the disbursement process.