Analisis Prinsip 5C pada Pembiayaan Multiguna di Bank Sumut Syariah KCP Lubuk Pakam
DOI:
https://doi.org/10.30651/jms.v10i1.25411Abstract
Penelitian ini bertujuan untuk menganalisis penerapan prinsip 5C (Character, Capacity, Capital, Collateral, dan Condition) dalam proses pembiayaan multiguna di Bank Sumut Syariah KCP Lubuk Pakam. Pembiayaan multiguna merupakan salah satu produk perbankan yang banyak diminati oleh masyarakat karena fleksibilitas penggunaannya untuk berbagai kebutuhan. Prinsip 5C digunakan oleh bank sebagai pedoman dalam menilai kelayakan calon debitur agar dapat meminimalkan risiko pembiayaan yang tidak lancar. Penelitian ini menggunakan pendekatan kualitatif dengan metode analisis deskriptif untuk menggambarkan bagaimana Bank Sumut Syariah KCP Lubuk Pakam menerapkan prinsip 5C dalam proses evaluasi dan keputusan pembiayaan. Hasil penelitian menunjukkan bahwa Bank Sumut Syariah telah menerapkan prinsip 5C secara komprehensif, meskipun terdapat tantangan dalam aspek pengawasan kondisi ekonomi dan karakter debitur. Penerapan prinsip 5C yang efektif diharapkan dapat meningkatkan kualitas pembiayaan dan mengurangi risiko kredit macet. Penelitian ini juga memberikan rekomendasi bagi pihak bank untuk terus meningkatkan ketelitian dalam penilaian aspek karakter dan kapasitas calon debitur agar pembiayaan dapat berjalan dengan lancar dan sesuai prinsip syariah.
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