PENERAPAN PRINSIP 5C TERHADAP TINGKAT NON PERFORMING FINANCING (NPF)

Abstract

Abstrak

Pembiayaan merupakan salah satu produk yang banyak diminati msayarakat. Dalam meminimalisir kredit bermasalah, tahapan analisis kredit harus menerapkan prinsip 5 C secara maksimal.

Metode penelitian yg digunakan ialah deskriptif pendekatan kualitatif. Sumber data didapat dari data primer yaitu diambil dari annual report dan data sekunder yaitu buku, jurnal dan data yang mendukung dari bank.

Hasil analisis perbankan yang ingin menekan tingkat NPF harus memperhatikan prinsip 5C dan menganalisa kredit harus mengutamakan kualitas bukan kuantitas. Selain itu terdapat pilar yang mendukung analisa seperti tiga pilar kelayakan yang menjadi dasar utama dari analisa kelayakan pemberian kredit meliputi :1)Kredibilitas manajemen 2)Kemampuan membayar kembali pembiayaan .3)Agunan dan 5 (Lima) regulator dalam mengurangi risiko kredit diantaranya:1)Otoritas Pemberian Pinjaman, 2) Jenis Kredit dan Distribusi Berdasarkan Kategori yang sesuai kebutuhan dan kemampuan calon nasabah, 3) Proses Penilaian diterapkan sesuai ketentuan prinsip proses pembiayaan, 4) Harga Kredit, 5) Penentuan Maturitas/Jatuh Tempo dilakukan untuk meringankan calon nasabah mengembalikan pinjaman ke bank.

Kata Kunci : Pembiayaan (Kredit), NPF

Abstract

Financing is one product that is in great demand on public. In minimizing problem loans, the stages of credit analysis must apply the principle of 5 C to the maximum.

The research method used is descriptive qualitative approach. Sources of data obtained from primary data is taken from the annual report and secondary data, namely books, journals and supporting data from the bank.

The results of banking analysis that want to reduce the NPF level must pay attention to the 5C principle and analyze credit must prioritize quality not quantity. In addition, there are pillars that support analysis such as the three feasibility pillars which are the main basis of the feasibility analysis of lending including: 1) Management credibility 2) Ability to repay financing.3) Collateral and 5 (Five) regulators in reducing credit risk include: 1) Loan Provisioning Authority, 2) Types of Credit and Distribution Based on the category according to the needs and abilities of prospective customers, 3) The Assessment Process is applied in accordance with the principles of the financing process, 4) Credit Prices, 5) Determination of Maturity / Maturity to alleviate prospective borrowers to the bank.

Kata Kunci : Pembiayaan (Kredit), NPF