Gunawan, - and San Rudiyanto, SE., MSA., Ak (2022) Implementasi Prinsip 5c Dalam Pemberian Kredit Usaha Rakyat (Studi Pada Bri Unit Dinoyo 1 Malang). Diploma thesis, Universitas Brawijaya.
Abstract
Penelitian ini bertujuan untuk: (1) Mendeskripsikan implementasi 5C dalam pemberian KUR di BRI Unit Dinoyo 1 Malang, (2) Mengidentifikasi kendala BRI Unit Dinoyo 1 Malang dalam mengimplementasikan 5C dalam pemberian KUR kepada pelaku UMKM, (3) Mendeskripsikan solusi BRI Unit Dinoyo 1 Malang guna mengatasi kendalanya pada implementasi 5C. Jenis penelitian ini adalah kualitatif deskriptif. Teknik pengumpulan datanya meliputi wawancara mendalam, observasi, dokumentasi, dan triangulasi. Dari hasil peneiltian diketahui bahwa: (1) Implementasi prinsip 5C dalam pemberian KUR di BRI Unit Dinoyo 1 Malang sudah dilakukan dengan baik, karena dalam pengambilan keputusan kredit telah menerapkan prinsip character, capital, capacity, collateral, dan condition of economy; (2) Kendala BRI Unit Dinoyo 1 Malang dalam mengimplementasikan prinsip 5C, antara lain: (a) nilai market dari agunan tidak sebanding dengan pembiayaan yang diajukan, (b) calon debitur tidak memiliki agunan sama sekali, (c) diprediksi ada kerjasama antara calon debitur dengan pihak ketiga untuk menaikkan nilai market agunan, sehingga menyulitkan pihak bank untuk menaksir nilai marketnya; (3) Solusi BRI Unit Dinoyo 1 Malang untuk mengatasi kendala-kendala itu, antara lain: (a) menaksir dengan baik nilai market dari agunan, (b) menjalin komunikasi yang baik dengan pihak ketiga dalam rangka mencari informasi riili tentang calon debitur.
English Abstract
This study aims to: (1) describe the implementation of 5C in the provision of KUR at BRI Unit Dinoyo 1 Malang, (2) identify obstacles to BRI Unit Dinoyo 1 Malang in implementing 5C in providing KUR to SMEs, (3) describe solutions for BRI Unit Dinoyo 1 Malang in order to overcome the obstacles in the implementation of 5C. This type of research is descriptive qualitative. Data collection techniques include in-depth interviews, observation, documentation, and triangulation. From the results of the research, it is known that: (1) The implementation of the 5C principle in the provision of KUR at BRI Unit Dinoyo 1 Malang has been carried out well, because in making credit decisions, the principles of character, capital, capacity, collateral, and condition of economy have been applied; (2) Obstacles to BRI Unit Dinoyo 1 Malang in implementing the 5C principle, among others: (a) the market value of the collateral is not proportional to the proposed financing, (b) prospective debtors do not have any collateral at all, (c) it is predicted that there will be cooperation between prospective borrowers. debtors with third parties to increase the market value of the collateral, making it difficult for the bank to estimate the market value; (3) The solutions of BRI Unit Dinoyo 1 Malang to overcome these obstacles include: (a) properly assessing the market value of the collateral, (b) establishing good communication with third parties in order to seek real information about prospective debtors.
| Item Type: | Thesis (Diploma) |
|---|---|
| Identification Number: | 0522170026 |
| Uncontrolled Keywords: | 5C, KUR, BRI. |
| Divisions: | Program Vokasi > Keuangan dan Perbankan |
| Depositing User: | soegeng sugeng |
| Date Deposited: | 23 May 2023 06:39 |
| Last Modified: | 23 May 2023 06:39 |
| URI: | http://repository.ub.ac.id/id/eprint/200116 |
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