Penerapan Prinsip Character Dalam Pelaksanaan Prinsip Kehati-hatian pada Analisis Pemberian Kredit Usaha Mikro

Rahmadi Indra Tektona; Qoriatur Risma

doi:10.47268/ballrev.v1i1.420

Penerapan Prinsip Character Dalam Pelaksanaan Prinsip Kehati-hatian pada Analisis Pemberian Kredit Usaha Mikro

Rahmadi Indra Tektona⁽¹⁾, Qoriatur Risma⁽²⁾

(1) Fakultas Hukum Universitas Jember, Jember, Indonesia
(2) Fakultas Hukum Universitas Jember, Jember, Indonesia
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Corresponding Author

Abstract

Credit is the ability to carry out a purchase or make a loan with a promise that payment will be deferred at an agreed time period. One financial institution that can provide credit is the bank, when providing credit the bank not only uses its own capital but also uses the customer's funds that have been entrusted to the bank. When providing credit, the bank cannot avoid the risk of non-performing loans, related to this, the bank applies the precautionary principle that is realized by the existence of the 5C principle, one of which is character. The application of the character principle aims to assess the character or character of the prospective debtor, whether the prospective debtor has a good character or is not good. The purpose of this paper is to analyze the factors driving and inhibiting the implementation of character principles in the analysis of micro business credit as a form of implementing prudential principles at Bank Mandiri Jember Branch. The type of research used by the author is Empirical Juridical. Then the method used is a qualitative approach method. The results of this research are the driving factors consisting of several factors, among others, in order to make credit activities run safely, minimize losses, ensure the smooth delivery of credit facilities, and build cooperation and trust between banks and customers for a long period of time. Related to the inhibiting factors consist of non-cooperative customers, bad faith in bank management, human resources, and proximity.

Keywords

Factors; Character; Credit

DOI

10.47268/ballrev.v1i1.420

Published

2020-10-30

How To Cite

APA: Tektona, R.I., & Risma, Q. (2020). Penerapan Prinsip Character Dalam Pelaksanaan Prinsip Kehati-hatian pada Analisis Pemberian Kredit Usaha Mikro. Batulis Civil Law Review, 1(1), 1-13. DOI: https://doi.org/10.47268/ballrev.v1i1.420.

IEEE: R.I. Tektona, and Q. Risma, "Penerapan Prinsip Character Dalam Pelaksanaan Prinsip Kehati-hatian pada Analisis Pemberian Kredit Usaha Mikro", Batulis Civ. Law Rev., vol. 1, no. 1, pp. 1-13, Oct. 2020. Accessed on: Apr. 25, 2025. [Online]. Available DOI: https://doi.org/10.47268/ballrev.v1i1.420

Harvard: Tektona, R.I., and Risma, Q., (2020). "Penerapan Prinsip Character Dalam Pelaksanaan Prinsip Kehati-hatian pada Analisis Pemberian Kredit Usaha Mikro". Batulis Civil Law Review, Volume 1(1), pp. 1-13. [Online]. Available DOI: https://doi.org/10.47268/ballrev.v1i1.420 (Accessed on: 25 April 2025)

Chicago: Tektona, Rahmadi Indra, and Qoriatur Risma. "Penerapan Prinsip Character Dalam Pelaksanaan Prinsip Kehati-hatian pada Analisis Pemberian Kredit Usaha Mikro." Batulis Civil Law Review 1, no. 1 (October 30, 2020): 1-13. Accessed April 25, 2025. doi:10.47268/ballrev.v1i1.420

Vancouver: Tektona RI, Risma Q. Penerapan Prinsip Character Dalam Pelaksanaan Prinsip Kehati-hatian pada Analisis Pemberian Kredit Usaha Mikro. Batulis Civ. Law Rev. [Internet]. 2020 Oct 30 [cited 2025 Apr 25];1(1):1-13. Available from: https://doi.org/10.47268/ballrev.v1i1.420

MLA 8th: Tektona, Rahmadi Indra, and Qoriatur Risma. "Penerapan Prinsip Character Dalam Pelaksanaan Prinsip Kehati-hatian pada Analisis Pemberian Kredit Usaha Mikro." Batulis Civil Law Review, vol. 1, no. 1, 30 Oct. 2020, pp. 1-13, doi:10.47268/ballrev.v1i1.420. Accessed 25 Apr. 2025.

BibTeX:

@article{BALLREV420,
		author = {Rahmadi Tektona and Qoriatur Risma},
		title = {Penerapan Prinsip Character Dalam Pelaksanaan Prinsip Kehati-hatian pada Analisis Pemberian Kredit Usaha Mikro},
		journal = {Batulis Civil Law Review},
		volume = {1},
		number = {1},
		year = {2020},
		keywords = {Factors; Character; Credit},
		abstract = {Credit is the ability to carry out a purchase or make a loan with a promise that payment will be deferred at an agreed time period. One financial institution that can provide credit is the bank, when providing credit the bank not only uses its own capital but also uses the customer's funds that have been entrusted to the bank. When providing credit, the bank cannot avoid the risk of non-performing loans, related to this, the bank applies the precautionary principle that is realized by the existence of the 5C principle, one of which is character. The application of the character principle aims to assess the character or character of the prospective debtor, whether the prospective debtor has a good character or is not good. The purpose of this paper is to analyze the factors driving and inhibiting the implementation of character principles in the analysis of micro business credit as a form of implementing prudential principles at Bank Mandiri Jember Branch. The type of research used by the author is Empirical Juridical. Then the method used is a qualitative approach method. The results of this research are the driving factors consisting of several factors, among others, in order to make credit activities run safely, minimize losses, ensure the smooth delivery of credit facilities, and build cooperation and trust between banks and customers for a long period of time. Related to the inhibiting factors consist of non-cooperative customers, bad faith in bank management, human resources, and proximity.},
				issn = {2746-8151},		pages = {1--13}			doi = {10.47268/ballrev.v1i1.420},
				url = {https://fhukum.unpatti.ac.id/jurnal/ballrev/article/view/420}
		}

RefWorks:

Citation format: Download Citation:

Jurnal

Sari, G. N. (2013). Faktor-faktor yang Mempengaruhi Penyaluran Kredit Bank Umum di Indonesia (Periode 2008.1-2012.2). Jurnal EMBA, 1(3), 931-941.

Syafik, Mohammad & Murni, T. S. (2019). Analisis Penerapan Prinsip 7C Dalam Meminimalisi Resiko Pembiayan Pada PT. BPR Rukun Karya Sari Kedungpiring. Jurnal Ilmiah Akuntansi Peradaban, 5(2), 259-278. https://doi.org/10.24252/jiap.v5i2.11888

Wardani, P. D. K., Rudy, D. Gde., Wiryawan, I. W. (2013). Implementasi Prinsip Kehati-hatian Dalam Pemberian Kredit Pada PT BPR Sinar Putera Mas. Kertha Semaya, 1(8), 1-13. https://ojs.unud.ac.id/index.php/kerthasemaya/article/view/42079

Wilardjo, S. B. (2014). Pengertian, Peranan dan Perkembangan Bank Syari'ah di Indonesia. Value Added, 2(1), 1-10.

Buku

Abdullah, Thamrin & Tantri, F. (2012). Bank dan Lembaga Keuangan. Jakarta: Raja Grafindo Persada.

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Hasibuan, M. S. P. (2009). Dasar-Dasar Perbankan. Jakarta: Sinar Grafika Offset.

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Skripsi, Tesis

Anjani, S. (2018). Penerapan Prinsip 5C Dalam Pemberian Kredit Sebagai Pencegahan Kredit Bermasalah. Skripsi, Universitas Sumatera Utara.

Guntara, A. (2017). Pnerapan Prinsip 5C Sebagai Upaya Perlindungan Terhadap Bank Dalam Menyalurkan Kredit. Skripsi, Universitas Udayana.

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Wahyuni, N. (2018). Penerapan Prinsip 5C Dalam pemberian Kredit Sebagai Perlindungan Bank. Skripsi, Universitas Kediri. https://doi.org/10.25139/lex.v1i1.236

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Dublin Core		PKP Metadata Items	Metadata for this Document

1.	Title	Title of document	Penerapan Prinsip Character Dalam Pelaksanaan Prinsip Kehati-hatian pada Analisis Pemberian Kredit Usaha Mikro

2.	Creator	Author's name, affiliation, country	Rahmadi Indra Tektona; Fakultas Hukum Universitas Jember, Jember; Indonesia

2.	Creator	Author's name, affiliation, country	Qoriatur Risma; Fakultas Hukum Universitas Jember, Jember; Indonesia

3.	Subject	Discipline(s)

3.	Subject	Keyword(s)	Factors; Character; Credit

4.	Description	Abstract	Credit is the ability to carry out a purchase or make a loan with a promise that payment will be deferred at an agreed time period. One financial institution that can provide credit is the bank, when providing credit the bank not only uses its own capital but also uses the customer's funds that have been entrusted to the bank. When providing credit, the bank cannot avoid the risk of non-performing loans, related to this, the bank applies the precautionary principle that is realized by the existence of the 5C principle, one of which is character. The application of the character principle aims to assess the character or character of the prospective debtor, whether the prospective debtor has a good character or is not good. The purpose of this paper is to analyze the factors driving and inhibiting the implementation of character principles in the analysis of micro business credit as a form of implementing prudential principles at Bank Mandiri Jember Branch. The type of research used by the author is Empirical Juridical. Then the method used is a qualitative approach method. The results of this research are the driving factors consisting of several factors, among others, in order to make credit activities run safely, minimize losses, ensure the smooth delivery of credit facilities, and build cooperation and trust between banks and customers for a long period of time. Related to the inhibiting factors consist of non-cooperative customers, bad faith in bank management, human resources, and proximity.

5.	Publisher	Organizing agency, location	Faculty of Law, Universitas Pattimura

6.	Contributor	Sponsor(s)

7.	Date	(YYYY-MM-DD)	2020-10-30

8.	Type	Status & genre	Peer-reviewed Article

8.	Type	Type

9.	Format	File format	PDF

10.	Identifier	Uniform Resource Identifier	https://fhukum.unpatti.ac.id/jurnal/ballrev/article/view/420

10.	Identifier	Digital Object Identifier	10.47268/ballrev.v1i1.420

11.	Source	Title; vol., no. (year)	Batulis Civil Law Review; Vol 1, No 1 (2020): VOLUME 1 NOMOR 1, NOVEMBER 2020

12.	Language	English=en	en

13.	Relation	Supp. Files

14.	Coverage	Geo-spatial location, chronological period, research sample (gender, age, etc.)

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