PENERAPAN PRINSIP 5C TERHADAP PENGAMBILAN KEPUTUSAN KREDIT PADA PT. BRI UNIT HANDIL BAKTI BARITO KUAL

Abstract

PT. BRI Unit Handil Bakti is a bank company engaged in the field of savings and loans, so far in lending has not been optimal in analyzing lending to customers. The lack of attention of the company in channeling credit activities, especially related to corporate credit decision making, has an adverse impact on bad loans for the company. To apply the 5C principle in making credit decisions, it can take several steps including: assessing prospective customers, knowing the seriousness of prospective customers, tightening the selection of prospective customers and also companies need to train the relevant analysis team in it and coordinate all parts of the loan on an ongoing basis to support the results distribution of company credit products. PT. BRI Handil Bakti Unit is less optimal in implementing prudential principles in making credit decisions, so that it impacts on operational activities and lending. The company needs to have good planning to maximize lending activities so that the company is more selective in assessing prospective customers so as to suppress problem loans / suppress the NPL level to a minimum.