Date: 13-11-2018 Digital Publication Services : OSREL | JABM | JAM | ABMR | ABMCS

IMPLEMENTASI PRINSIP 5C DALAM REALISASI PEMBIAYAAN MURABAHAH PADA BPRS BUMI RINJANI KEPANJEN

Detail
Author DINA AFIFATUR RODIYAH
Category Manajemen Perbankan

Abstract

In carrying out one of the tasks, namely disbursing funds in the form of murabahah financing, BPRS Bumi Rinjani Kepanjen is very concerned about the 5C principle in any condition, whether the financing is small or large, has never done financing before or has never been at all, all are considered equally. The purpose of this research is to find out more about how the implementation of 5C in BPRS Bumi Rinjani Kepanjen murabahah financing. This research is a field research, data obtained by observation, interviews directly with the Head of Operations and customers of BPRS Bumi Rinjani Kepanjen, as well as documentation from the agency. In addition, this study was supported by the existence of primary and secondary data obtained from several literature related to research. The method used in this research is qualitative descriptive analysis starting from the analysis of various data collected from a study, then moving towards the formation of a categorical conclusion or certain general characteristics. From the results of the study is known that BPRS Bumi Rinjani Kepanjen also uses the 5C principle in assessing customers, so it can determine whether the financing proposal submitted by the customer is approved or rejected. In its implementation, BPRS Bumi Rinjani Kepanjen places great emphasis on two points, namely capacity and collateral. Whereas for the character principle, capital and condition of economy get a smaller portion of the three points.