Bad Character Research Articles

Perempuan Sumber Sial Dalam Hadis Shahih Bukhari Nomor 5903 (Kajian Tahlili)

This research discusses the hadith in Sahih Bukhari that narrates that one of the places of misfortune is women. Textually, this hadith is controversial as it is perceived to contain misogynistic suggestions conveyed by the Prophet Muhammad (peace be upon him). The purpose of this research is to comprehensively understand the process of transmission and the scholars' interpretation of this hadith. Additionally, this research also attempts to interpret the hadith through the contemporary Fiqh al-Hadith methodology proposed by contemporary scholars. The researcher employs a qualitative inductive method, obtaining data and information by collecting classical Islamic texts, including those that specifically explain the related hadith as well as other relevant books. These include books on hadith terminology, hadith commentaries, hadith text, and hadith narrator studies, among others. This research finds that the Sahih Bukhari hadith number 5093 is of hasan quality. This hadith also has many corroborating and supporting narrations of better grades. Meanwhile, the meaning of misfortune contained in it, according to the majority of scholars, is attributed to women temporarily and not permanently. Misfortune is associated with women when they have bad character, infertility, and other non-permanent negative traits. In the mubadalah (reciprocal) method, misfortune is not only attributed to women but also to men, as men can also experience infertility, bad character, and other non-permanent negative traits.

The folk concept of the good life: neither happiness nor well-being

The concept of a good life is usually assumed by philosophers to be equivalent to that of well-being, or perhaps of a morally good life, and hence has received little attention as a potentially distinct subject matter. In a series of experiments participants were presented with vignettes involving socially sanctioned wrongdoing toward outgroup members. Findings indicated that, for a large majority, judgments of bad character strongly reduce ascriptions of the good life, while having no impact at all on ascriptions of happiness or well-being. Taken together with earlier findings these results suggest that the lay concept of a good life is clearly distinct from those of happiness, well-being, or morality, likely encompassing both morality and well-being, and perhaps other values as well: whatever matters in a person’s life. Importantly, morality appears not to play a fundamental role in either happiness or well-being among the folk.

Early Muslim Scholars’ Conceptions of Character Development and Contemporary Applications in Mental Health and Well-being

Well-being, as a comprehensive phenomenon related to an individual’s emotional response and life satisfaction, has a vital importance for human beings today. Contemporary perspectives, such as the domain of positive psychology, have shifted from a pathology-oriented perception of well-being and have made efforts to include psychological and spiritual aspects in the picture. The aim of these modern approaches is to activate mechanisms of change and build positive qualities within a person. Similarly, the Islamic tradition has long emphasized the importance of physical, psychological, emotional, and spiritual well-being, with the spiritual dimension at the center of the purpose of personal development. Both modern psychological and Islamic theological perspectives consider character development as essential for increasing well-being. While modern psychology uses character development only as a tool to achieve self-actualization, an Islamic perspective includes, within the concept of self-actualization, the notions and objectives of purification from the evils of the world and the self and attaining the pleasure of God. Islamic scholars in the classical period emphasized the importance of keeping a balance between good and bad character traits within the conception of human well-being. This chapter will discuss the mechanisms and approaches to character development suggested by early Muslim scholars, such as Abu Zayd al-Balkhi (9th century), Abu Hamid al-Ghazali (112th1th century), Al-Razi (13th9th century), and Birgivi (16th16th century), as well as discuss possible contemporary applications in the light of modern psychological studies. It will put forth strategies for Islamically informed character development and their potential for implementation within Islamically-integrated psychotherapy and well-being counseling within contemporary contexts.

السخرية في بشار بن برد

Researchers in the field of literary and psychological studies agree that literature represents a field in which the meanings and emotions of the soul are expressed, and that sarcasm is an essence of psychological emotions that is manifested in many forms, including poetry.Accordingly, I decided to study irony in the emotional poetry of a prominent poet who occupies a distinguished position in Arabic literature, Bashar bin Burd, due to the unique value that his poetry has enjoyed throughout the ages. Bashar was a controversial figure because of the topics he organized, his position in society at the time, and his morals and behavior, which were considered a departure from law and custom, as described by biographers and literary historians. His poetry is considered a prominent embodiment of sarcasm, which is often characterized by boldness and reprehensibleness without specific limits, which extended to include a large part of his collection.Although some of the sarcasm in his poetry seems praiseworthy on the surface, most of it expresses the bad character that characterizes its author.This brief research includes the following points:1st Chapter: The concept of Sarcasm and emotional poetry2nd Chapter: Motives of sarcasm in Bashar's poetry3rd Chapter: Sarcasm in the emotional poetry of Bashar bin BurdConclusion of the research

Survival of the Fittest: A Review on Charles Dickens’ ‘Oliver Twist’

The story of Oliver Twist follows Oliver from his birth in a workhouse in England, uncovering the contemporary systems that lead him to Mr. Brownlow and Mrs. Maylie at last. It takes a sharp turn taking Oliver back to Mr. Brownlow as an adopted son. Dickens gives the boy a full circle of reason from the birth of uncertainty to life of certainty by making good win over evil, of course with the sacrifice of Nancy. With the characters like Charley Bates, Jack Dawkins, Fagin, Bill Sikes, Old Sally, Nancy, Mr. Brownlow, Mrs. Bedwin, Mrs. Maylie and many, the author reveals the systems and influences that lead them to make certain decisions that have altered Oliver’s life. When Oliver's mother dies after giving him birth, she disappears unidentified. Considering her death without a marriage ring on her finger, she is assumed to be unmarried and thus considered dishonored. As a baby boy, Oliver is seen as unworthy and is kept oppressed by the systems in place of helping him. As a child, Oliver Twist is accommodated in a children orphanage. The wording like, ‘less-than, inhuman, subhuman,’ alone reveals the way orphaned children are treated. Once he is old enough to work, at only nine years old, he is sent to a workhouse. These workhouses are meant to help the poor, but through Oliver's experiences, the readers can understand that they use the poor as bonded labour while greedily using and abusing them. Although Nancy is at first guilty in the crimes against Oliver, it is revealed that she has suffered in similar ways. She attempts to help Oliver and this sends Bill Sikes into an uncontrollable rage. Her murder reveals Bill's cruelty and draws sympathy for Nancy. Unlike her friends, Nancy tries to turn her life around, acting in kindness to save the boy. Although Oliver suffered throughout the book, his desire for to be good leads him to salvation with the honorable Mr. Brownlow. The unrestrained cruelty and corruption of Bill Sikes and Fagin led to their deaths. The author has martyred Nancy but punishes the characters that choose to continue to practice crime and violence. At the end, the good characters enjoy and the bad characters suffer.

Shining the "Light" on Moral Foundations: Light Versus Dark Personality Relates More Strongly to Moral Foundations.

Endorsement of the moral foundations specified by Moral Foundations Theory (MFT) can sometimes fail to relate negatively to certain dispositions indicative of bad moral character. This evidence has fueled some concerns over whether the moral foundations in MFT are "moral." To increase understanding of how moral foundations relate to moral character, we proposed the "asymmetry hypothesis." This hypothesis states that "good" character is a more powerful predictor of each moral foundation than "bad" character. Put differently, there is an asymmetry in the strength (not merely direction) with which the moral foundations relate to encompassing indicators of good versus bad character. This is important because it suggests that links between the moral foundations and moral character will be somewhat concealed by focusing on bad character and/or not considering encompassing indicators of good character. A sample of college participants (N = 514) rated their endorsement of moral foundations and completed two sets of measures that represented encompassing indicators of both good and bad character. The data supported the asymmetry hypothesis: Each encompassing good-character assessment was a stronger predictor of each moral foundation than its corresponding encompassing bad-character assessment. Furthermore, variance unique to any good-character assessment had about moderate relations with each moral foundation, but variance unique to any bad-character assessment had no more than small relations with each moral foundation. The study provides a more nuanced understanding of how moral character relates to moral foundations and highlights utility in considering moral character as multidimensional.

Ripening and Rotting Heroes: Growth, Decay, and Narrative Abjection in Anthony Trollope's The Small House at Allington and The Last Chronicle of Barset

This essay argues that Anthony Trollope introduces a framework of character growth and decay, evinced through organic metaphors of ripening and rotting, to distinguish good and bad characters in The Small House at Allington and The Last Chronicle of Barset. By comparing a developing protagonist with a mature one who enters a phase of decline, we see how Trollope's commitment to nuanced characterisation is disrupted by his didactic aim of designating, and then torturing, patently bad figures. An analysis of the psychologies and aesthetics of character, framed around Julia Kristeva's theory of abjection, shows how Trollope figures two subtly paralleled protagonists as opposites, establishing one as a palatable figure and the other as a nauseating one. The isolation of a rotten character serves a dual purpose: Trollope teaches his moral lessons by subjecting the character to physical, psychological, and structural decay, while narrative progression, culminating in the imperative happy ending, is structured around the abjection of the bad object.

STUDYING ATTITUDES TO DEPRESSION AMONG STUDENTS

Depression is a serious mental illness, when it occurs, the ability to work is sharply reduced and motor problems arise lethargy, impaired thinking, decreased mood. Depression is accompanied by low self-esteem, loss of taste to life, interest in usual activities. Being a mental disorder, depression manifests itself as pathological affect. It is perceived by people and patients as a manifestation of laziness, bad character, selfishness and pessimism. It should be noted that a depressive state is not just a bad mood, but a psychosomatic disease in which specialist intervention required. Overthinking or intrusive thoughts depression or anxiety or any mental problem isn't just a disorder, it can happen to us because of various reasons.

Peran Agency Theory Terkait Manajemen Risiko Kredit dalam Upaya Meminimalisir Kredit Bermasalah pada KSP Kopdit Obor Mas Kanca Pasar Alok

The aim of this research is to determine and analyze the role of agency theory related to credit risk management in efforts minimize problem loans at KSP Kopdit Obor Mas Kanca Pasar Alok. Research data was obtained through direct interviews with Pasar Alok branch managers, observation and documentation. This type of research is descriptive qualitative. The research results show that the analysis of the development of non-performing loans at the Kopdit Obor Mas Kanca Pasar Alok Savings and Loans Cooperative can generally be said to be tending to decline. The increase in non-performing loans from 2019 – 2023. This is caused by an unstable economic situation which ultimately causes people and companies' income to decrease so that customers are in arrears and is also a result of bad character until the time that has been discovered. Keywords: Agency Theory, Cooperatives, Risk Management, Non-Performing Loans

Leadership Strategy: Implementation of Religious-Based Character Education Through Multicultural Learning After the Covid-19 Pandemic

This study aims to determine the right leadership strategy to identify and describe the implementation of character education with various backgrounds of students after the covid-19 pandemic. By applying multicultural learning, it is hoped that it will be able to teach theoretical concepts about various good or bad characters, but rather try to influence the character of good students. in the direction the teacher expects. This study uses an ex post facto qualitative design with data collection through observation and case studies. Sources of data obtained from informants, namely principals, teachers, students, and parents. The result of the research is that the implementation of character education for students with various backgrounds is carried out by getting used to good characters who are accustomed to religious activities and the teacher gives examples of good character (respect for teachers, fellow students and younger siblings) in everyday life. In addition, it also gets used to saying greetings and smiling when meeting anyone, such as teachers, friends, and other people outside of school. There is an additional excellent program, namely the compulsory Koran program for every student. Even with the Covid-19 condition, the portion of character education has not decreased as face-to-face schools, but has increased. The teacher monitors the character development of students starting from waking up in the morning until going back to sleep the next night. The role of the principal is very supportive of the character education that has been implemented in schools. Not only that, with the covid-19 pandemic, school principals made a policy by providing quota pulses to be used to communicate with students so that the habit of good character continues to run even at home.

MORAL EDUCATIONAL THINKING MUḤAMMAD ‘ALĪ AL-ṢĀBŪNĪ IN THE TAFSĪR ṢAFWATU AL-TAFĀSĪR

The reality of life in today’s dynamics, we often see delinquency committed by children and adolescents who should reflect good character in themselves, but in their implementation have a bad character in their lives both in the school, community, and family environments. This article discusses the thought of Muḥammad ‘Alī al-Ṣābūnī’s moral education in Tafsīr Ṣafwatu al-Tafāsir which examines various aspects of Qur’anic scholarship. This research uses a library research method, with a descriptive qualitative analysis approach. The result of this research is Muḥammad ‘Alī al- Ṣābūnī actively writing and devoting his knowledge to education, one of his famous works is the book of Tafsīr Ṣafwatu al-Tafāsīr, this book is compiled from the core explanations of great commentaries that are detailed, concise, structured until it becomes clear and straightforward. Moral education is a guide to moral principles and special temperaments, habits that must be owned and made a habit by children from childhood to adulthood. The purpose of moral education is to form humans as supreme and perfect beings who have good behavior and deeds toward fellow humans, fellow creatures, and their Gods to achieve happiness both in this world and in the hereafter. The moral education studied through Tafsīr Ṣafwatu al-Tafāsir includes the nature of honesty, qana‘ah, and obedience. If these qualities can be implemented properly, then the evil that is rife will disappear, a clean heart will always be decorated with good deeds, and vice versa, a dirty heart will always be decorated with bad deeds.

Beyond the Myth of Chinese Ideograms

Published in The New Yorker in May 2016, Ted Chiang’s short piece “Bad Character” has raised fervent debates on the linguistic properties of the Chinese writing system, as well as on the peculiar, if not perplexing, nature of the language itself. The mixed responses among scholars, from both the East and the West, towards Ted Chiang’s position against Chinese characters reflect the underlying entanglement of disparate discourses, including the universal language, orientalization/self-orientalization, language reform, Asian-American struggles, Chinese exceptionalism, and most importantly, the entrenched myth of Chinese ideograms. By situating Ted Chiang’s short story “Story of Your Life” (1998) in the midst of the debate, this paper explores not only how Chiang broaches Chinese’s linguistic otherness through the science-fictional trope of alien communication, but also how the author dismantles the discursive baggage of Chinese ideograms by shifting toward technical description of linguistic details. Reading “Story” in joint with Liu Cixin’s seminal Three Body trilogy (2008–10) and a more recent work “Curse” (2015) by Chen Zijun, this paper further contends that a new trend can be discerned that seeks to depart from previous exploitations of Chinese’s otherness through orientalizing gestures and essentialist representations. Unlike their predecessors who either valorize or degrade the non-phonetic alien language allusive to allegedly ideographic Chinese, these authors refrain from setting up a hierarchy between human languages and their alien counterparts, channeling the utopian impulse of sf into treating language as a technical object that is perfectible through constant refinement of its linguistic configurations. The end product of these discursive efforts is a notion of linguistic utopianism, which not only harkens back to the generic affinity of sf to utopia as well as to the long-lived, ubiquitous quest for a perfect language, but also envisions a new ethics of alien communication through explicating the distinct technicality of each language for a non-hierarchical paradigm.

Mechanisms of mental illness anti-stigma messaging matter: Leveraging mental health communication inequities among Latinx populations to understand what works and what we can do better

BackgroundSince 1950, public communication about the neurobiological-psychosocial basis of mental illness from the diathesis-stress model has promoted reception to treatment yet violent/dangerous stereotypes have increased during this period. Moreover, public mental health communication efforts have predominantly diffused in English-language media, excluding Spanish/Latinx media and its consumers from these efforts. To inform future mental health communication strategies, this study leverages high versus low diffusion of public mental health communication across English and Spanish/Latinx media to examine public mental health communication effects on stigma and treatment beliefs via neurobiological-psychosocial beliefs. MethodsA quota sample of 2058 U.S.-based Latinx residents ages 13–86 with diverse language/cultural media preferences was recruited to self-complete a survey about mental health information acquisition in 2021. Assessments ascertained frequency of Spanish/Latinx and English media use and mental health content scanning and seeking (α = 0.86–0.94); and items from the General Social Survey about mental illness neurobiological-psychosocial causal beliefs (α = 0.72)—genetics, brain chemistry, environment, stress; treatment beliefs—mental illness improves with treatment or on its own; and stigma beliefs—violent/dangerous and bad character stereotypes and unwillingness to socialize with a person with mental illness. Structural equation models estimated total, direct, and indirect effects of Spanish/Latinx and English media exposures on treatment and stigma beliefs via neurobiological-psychosocial beliefs, net individual/family factors. ResultsSpanish/Latinx media reduced, while English media increased, neurobiological-psychosocial beliefs (p < 0.01). Neurobiological-psychosocial beliefs, in turn, increased treatment and stigma beliefs (p < 0.01), simultaneously. Indirect pathways were also significant (p < 0.05). Proportion mediated on treatment beliefs was one-third for Spanish/Latinx and two-thirds for English media. Proportion mediated on stigma beliefs for all media exposures averaged ≥1. ConclusionsWhile consumers of Spanish/Latinx media report lower neurobiological-psychosocial knowledge that impedes treatment beliefs, consumers of English media report greater neurobiological-psychosocial and treatment knowledge and, consequently, more stigma. Innovation in public mental health communication is needed to counter stigma and health inequity.

Aligning Sumbawanese Proverbs with Pancasila Learner Profile to Enhance Local Culture-based Character Education

The 2022 Independent Curriculum puts the Pancasila learner profile as one that frames character education. In our local context, Sumbawa Regent Regulation No. 33 2021 stipulates that character education be implemented by embracing the local values together with the national values of Pancasila. Thus, aligning Pancasila values with local values and knowledge is a good way to implement character education that is relevant nationally. For this reason, we have categorized 309 Sumbawanese proverbs into relevant key elements of Pancasila learner profile. The data were collected from a document, which contains the most complete collection of Sumbawanese proverbs each with its denotative and connotative meanings. The data were analyzed descriptively and qualitatively with an element of quantification in grouping the proverbs into good and bad characters and in categorizing the proverbs based on Pancasila learner profile key elements. Our discussion shows how the proverbs strongly enhance the inculcation of Pancasila values through their antonymous metaphors and similes. In conclusion we suggest having selected Sumbawanese proverbs, developed as picture-based character learning materials and resources for use at school.&#x0D; Keywords: character education, Pancasila learner profile, proverbs, Sumbawanese

Human Nature’s Deterioration in William Golding’s Lord of the Flies A Psychological Study

The study investigates the human nature degradation in “Lord of the Flies”, by William Golding. When society ABSTRACT: The study investigates the human nature degradation in “Lord of the Flies”, by William Golding. When society constraints and parental supervision are removed, these fortunate situations become accessible. Golding attributes mans bad character to the Original Sin, which occurred when Adam disobeyed Gods instruction in the Garden of Eden. When the boys believe they are no longer under parental authority and the instructors are unchecked, they begin to break the regulations of the island, even murdering one other, and a return to savagery occurs. The study examines different methods of deconstructing dichotomies to re-imagine the connection between humans and the environment. Of course, the underlying antithesis is between civilization and nature. The topic of human natures degeneration was the most well-known aspect of the novel, as a result, the depiction of the external environment was often disregarded. It is the purpose of this article to examine the worsening connection between man and the atmosphere from the viewpoint of psychologists to show the eventual demise of humanity in the book. As a critical endeavor, psychological analysis requires a rethinking of the link between man and external environmental factors which affect his life. It is the study of how humans and the physical world interact.

A Development of the Teaching Plan on Flower Ball Cheerleading in Physical Education Course to Improve Physical Fitness and Mental Health for Primary School Students

Background and aim: Cheerleading is an important project in the physical education teaching process of primary schools. Introducing cheerleading into primary school physical education can not only guide students to improve their physical functions but also effectively enrich their spiritual world. It plays an important role in the healthy development of student's physical and mental health. This article analyzes and studies this. Playing its role in improving the physical and mental health of primary school students is the significance of this article. Formulate the "Teaching Plan for Ball Cheerleading in Physical Education Classes" to improve the physical and mental health of primary school students. This is the purpose of this study. Materials and Methods: (1) Experimental sample： Among the 300 students in six classes of the fifth grade of a primary school in Rizhao City, students with the same level of physical fitness and no obvious difference in appearance were selected from low to high scores based on the physical fitness test scores. According to their personal wishes, 15 boys and 15 girls were finally selected as experimental samples. (2) Research instrument：①《National student physical health standard》Ministry of Education of the People's Republic of China.②《Mental Health Rate Scale for Pupil; MHRSP》③Teaching the IOC value is 0.8 and is approved by 5 experts. （3) Statistics: Independent samples t-test, standard deviation. Results: Through the experimental results, it is concluded that the most significant effects of ball cheerleading on the physical fitness of primary school students are one-minute sit-ups, one-minute rope skipping, a 50-meter run, and seated forward bends. The teaching and training process of ball cheerleading has a positive role in promoting students' emotional disorders, social adaptation disorders, behavioral disorders, etc. Flower ball cheerleading has a profound impact on the physical fitness and mental health of primary school students, and plays a good role in promoting the physical production and mental health development of primary school students. Conclusion: The results of this experimental study show that ball cheerleading plays a good role in improving the physical development of primary school students, especially their agility, coordination, explosive power, and core strength. It can provide a strong guarantee for the physical health of primary school students. Ball cheerleading is beneficial to the mental health of primary school students. Ball cheerleading classes can help primary school students learn to regulate their emotions, improve their bad character and moral defects, and help primary school students develop lively and cheerful characters and develop good behaviors. habits, strong social adaptability, and ability to communicate with classmates. This shows that the flower ball cheerleading teaching program constructed in this experiment can be applied to physical education classes for primary school students.

Pengaruh Pendidikan Karakter terhadap Hasil Belajar PAI kelas V di SD N 34 VII Koto Sungai Sarik

This research is motivated by the results of research on November 24, 2021 at SD N 34 VII Koto Sungai Sarik. The researcher observed that students' bad character greatly affected students' learning outcomes. The problems identified include absenteeism, lack of attention in lessons, noisy behavior in class, and lack of motivation to do assignments. This study aims to determine the effect of character education on the learning outcomes of fifth grade Islamic religious education at SD N 34 VII Koto Sungai Sarik. The type of research used is quantitative with a correlational approach. The population is all fifth grade students (120 people), with a sample of 30 people selected using random sampling technique. The results of the analysis showed a significant influence between student character and Islamic religious education learning outcomes. The coefficient of determination shows that 50.2681% of student learning outcomes are influenced by student character, while the rest is influenced by other factors. This finding confirms that student character has an important role in learning outcomes, especially in Islamic religious education subjects at SD N 34 VII Koto Sungai Sarik.

IMPLEMENTASI PESERTA DIDIK DALAM PENDIDIKAN ISLAM MELALUI PROGRAM SHOLAT BERJAMAAH DI SMP NEGERI 2 JETIS

The development of science, technology and information can be seen very quickly as time goes by, so that it has an impact on the behavior of many students which is not in accordance with a religious character. One form of solution is to implement a congregational prayer program in educational institutions. This research aims to determine the importance of Islamic education, students' implementation of Islamic education through the congregational prayer program, factors inhibiting the implementation of congregational prayers. This research method uses a descriptive qualitative approach which was carried out at SMP Negeri 2 Jetis Ponorogo. This research analysis has three stages, namely sorting data that has been obtained from the field, collecting data and drawing conclusions. The results of the research are (1) Islamic education is very important for students as a provision for quality life now and in the future, (2) Implementation of the congregational prayer program consists of dhuha prayers, midday prayers and asr prayers. The congregational prayer program is also participated in by all school stakeholders so that they are able to provide a positive example or uswatun khasanah for students. (3) Factors inhibiting the implementation of congregational prayers include lack of self-awareness of students, the influence of bad character from friends, lack of affirmation from parents.

PENTINGNYA PENDIDIKAN KARAKTER SEJAK DINI UNTUK MENYELAMATKAN GENERASI

The term character education is two words that have an important role in human life, whoever is big or small, old and young need it. When these two words are combined, they will provide a deeper understanding and are also expected to bring change in human life. Education is an effort that humans do intentionally to get or discover something new which of course further complements human knowledge. Character is a form of action or action carried out by humans and it can be seen from the results of these human actions if the action gives birth to a form of kindness then it will be judged that the person's character is good but if the human action does not produce something good then the human it will have a value that is not good and can be said to have a bad character. Children are the hope of the family and can even be the hope of the nation so that with all efforts the family will make it so that their children have a good character and attitude. So by teaching character education from an early age it will bring children to good deeds as well so that every child is protected from actions or actions that can harm themselves or even others. In this way, children who are the next generation will be saved from being trapped in this world by equipping them with character education from an early age

ANALISIS PENILAIAN KINERJA KEUANGAN PERUSAHAAN TERHADAP KELAYAKAN MENDAPATKAN KREDIT MODAL KERJA

This research aims to determine the performance assessment of prospective debtor companies regarding the feasibility of obtaining working capital credit by BRI KCP Pettarani. Data collection techniques were carried out by conducting interview techniques, documentation techniques and library techniques. The data analysis technique was carried out using qualitative data analysis, namely collecting the data needed in this research, through interviews and documentation. As well as quantitative data analysis using calculations using formulas in analyzing the compa|ny's financial performance and calculating the amount of credit given by the bank.The results of this research are the first benchmark for banks, in this case, checking the SLIK (Financial Information Service System) of prospective debtors. The basis for approval for granting credit is an analysis of financial reports. Reportn Profit and Loss Reportn Balance Sheet of the prospective debtor for the last 3 years as a component of the financial reportngan which is a consideration for the bank. In analyzing the financial reports of potential bank debtors, there are 4 financial ratios, namely Liquidity Ratio, Activity Ratio, Solvency Ratio and Profitability Ratio. The business has been running for at least 2 years and meets the criteria for measurement used by the bank, namely the company's performance which is taken into consideration by the bank in deciding whether or not it is appropriate to grant working capital credit. The principle that influences debtors is the principle of Character. The principle that is indicated as problematic for debtors is the Capital principle. The action taken by Bank to implement the principle of supervision is to carry out an inventory. The bad character of the debtor is an obstacle faced by banks in the credit granting process