Amelia, Amelia (2025) PENERAPAN PRINSIP 5C DALAM PEMBERIAN KREDIT USAHA RAKYAR (KUR) PADA BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN KC KHUSUS BANTEN. D3 thesis, UNIVERSITAS SULTAN AGENG TIRTAYASA.
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Abstract
This study aims to examine the process of granting People's Business Credit (KUR), analyze the application of the 5C principles (Character, Capacity, Capital, Collateral, and Condition of Economy), and identify the impact of applying these principles at the West Java and Banten Regional Development Bank, Banten Special Branch. The methods used were direct observation and interviews with SME Account Officers. The observation results indicate that the KUR disbursement process has followed the Standard Operating Procedures (SOP) and the 5C principles, which are applied systematically and thoroughly. The application of the 5C principles has had a positive impact in terms of improving the quality of the credit portfolio, enhancing the efficiency of disbursement, and increasing customer confidence in KUR services. However, there are challenges such as borrowers who are not yet bankable, limited collateral, and difficulties in field verification. Therefore, the recommendations provided to Bank BJB include: enhancing education and mentoring for SME actors, optimizing digitalization in credit analysis and monitoring processes, and refining the collateral assessment system to be more adaptive to the characteristics of micro and small businesses. The implementation of these recommendations is expected to enhance the effectiveness of KUR disbursement in a sustainable and inclusive manner
| Item Type: | Thesis (D3) | |||||||||
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| Additional Information: | Pengamatan ini bertujuan untuk mengetahui proses pemberian Kredit Usaha Rakyat (KUR), menganalisis penerapan prinsip 5C (Character, Capacity, Capital, Collateral, dan Condition of Economy), serta mengidentifikasi dampak penerapan prinsip tersebut di Bank Pembangunan Daerah Jawa Barat dan Banten KC Khusus Banten. Metode yang digunakan adalah observasi langsung dan wawancara dengan Account Officer UMKM. Hasil pengamatan menunjukkan bahwa proses pemberian KUR telah mengikuti Standar Operasional Prosedur (SOP) serta prinsip 5C yang diterapkan secara sistematis dan mendalam. Penerapan prinsip 5C memberikan dampak positif berupa peningkatan kualitas portofolio kredit, efisiensi penyaluran, serta peningkatan kepercayaan nasabah terhadap layanan KUR. Namun, terdapat kendala seperti debitur yang belum bankable, keterbatasan agunan, dan tantangan dalam verifikasi lapangan. Oleh karena itu, saran yang diberikan kepada Bank BJB antara lain meningkatkan edukasi dan pendampingan bagi pelaku UMKM, mengoptimalkan digitalisasi dalam proses analisis dan monitoring kredit, serta menyempurnakan sistem penilaian jaminan agar lebih adaptif terhadap karakteristik usaha mikro dan kecil. Penerapan saran ini diharapkan dapat meningkatkan efektivitas penyaluran KUR secara berkelanjutan dan inklusif. | |||||||||
| Uncontrolled Keywords: | Bank, BJB, Credit, 5C Principle Bank, BJB, Kredit, Prinsip 5C | |||||||||
| Subjects: | H Social Sciences > HG Finance | |||||||||
| Divisions: | 05-Fakultas Ekonomi dan Bisnis > 61406-Program Diploma III Keuangan Perbankan 05-Fakultas Ekonomi dan Bisnis |
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| Depositing User: | Ms Amel lia | |||||||||
| Date Deposited: | 29 Aug 2025 04:23 | |||||||||
| Last Modified: | 29 Aug 2025 04:23 | |||||||||
| URI: | http://eprints.untirta.ac.id/id/eprint/52949 |
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