Akbar, Alif (2022) PENERAPAN PRINSIP 5C DALAM PROSES PEMBERIAN KREDIT TERHADAP DEBITUR DI PT. BANK PERKREDITAN RAKYAT DARBENI RIZKI TANGERANG. D3 thesis, Universitas Sultan Ageng Tirtayasa.
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Abstract
Application of 5C Principles in the Process of Lending to Debtors at PT. BPR Darbeni Rizki Tangerang. In order to encourage national economic growth and support dynamic business development, a strong, healthy, strong, productive and competitive national banking system is needed. In this case, BPR is one of the banks to serve the middle, small and micro entrepreneurs. BPRs do not only extend credit to micro, small and medium entrepreneurs but also accept public deposits. The formulation of the problem is how to apply the 5C principle in the process of providing credit to debtors at PT. BPR Darbeni Rizki Tangerang. The purpose of this paper is to determine the application of the 5C Principles in the process of granting credit to debtors. Writing this final project using a descriptive method that describes the state of the subject or object in the study. The results of research that has been done at PT. BPR Darbeni Rizki Tangerang in providing credit emphasizes the principle of Character then Collateral and Capacity, while the principle of Capital and Condition of Economy is used as a support, the most important is the principle of character. If one of the principles of Capital and Condition of Economy is not fulfilled but the character, collateral and capacity are met, the loan can be disbursed.
| Item Type: | Thesis (D3) | |||||||||
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| Additional Information: | Penerapan Prinsip 5C Dalam Proses Pemberian Kredit Terhadap Debitur di PT. BPR Darbeni Rizki Tangerang. Dalam rangka mendorong pertumbuhan ekonomi nasional dan mendukung perkembangan usaha yang bersifat dinamis, diperlukan perbankan nasional yang tangguh, sehat, kuat, produktif dan memiliki daya saing. Dalam hal ini BPR adalah salah satu bank untuk melayani golongan pengusaha menengah, kecil dan mikro. BPR tidak hanya sekedar menyalurkan kredit kepada para pengusaha mikro, kecil dan menengah tetapi juga menerima simpanan masyarakat. Rumusan masalah bagaimana penerapan prinsip 5C dalam proses pemberian kredit terhadap debitur di PT. BPR Darbeni Rizki Tangerang. Tujuan penulisan ini untuk mengetahui penerapan Prinsip 5C dalam proses pemberian kredit terhadap debitur. Penulisan tugas akhir ini menggunakan metode deskriptif yaitu menggambarkan keadaan subjek atau objek dalam penelitian. Hasil penelitian yang telah dilakukan di PT. BPR Darbeni Rizki Tangerang dalam pemberian kredit lebih menekankan prinsip Character kemudian Collateral dan Capacity, sedangkan prinsip Capital dan Condition of Economy digunakan sebagai pendukung, terpenting adalah prinsip character. Apabila salah satu dari prinsip Capital dan Condition of Economy tidak terpenuhi tapi character, collateral dan capacity terpenuhi, kredit bisa dicairkan. | |||||||||
| Uncontrolled Keywords: | Principles 5C, Debitur, BPR. Prinsip 5 C, Debitur, BPR | |||||||||
| Subjects: | H Social Sciences > H Social Sciences (General) H Social Sciences > HG Finance |
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| Divisions: | 05-Fakultas Ekonomi dan Bisnis > 61406-Program Diploma III Keuangan Perbankan 05-Fakultas Ekonomi dan Bisnis |
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| Depositing User: | Alif Alif Akbar | |||||||||
| Date Deposited: | 14 Nov 2023 09:56 | |||||||||
| Last Modified: | 14 Nov 2023 09:56 | |||||||||
| URI: | http://eprints.untirta.ac.id/id/eprint/30309 |
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