[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-0-id-113":3,"doc-seo-230704-113":53,"doc-detail-230704-id":127},{"code":4,"msg":5,"data":6},0,"success",[7,13,17,21,25,29,33,37,41,45,49],{"id":8,"doc_module":4,"doc_module_name":9,"category_name":10,"show_sort_weight":11,"slug":12},55,"Document","Agama & Spiritualitas",60,"religion-spirituality",{"id":14,"doc_module":4,"doc_module_name":9,"category_name":15,"show_sort_weight":11,"slug":16},48,"Cerita & Novel","story-novel",{"id":18,"doc_module":4,"doc_module_name":9,"category_name":19,"show_sort_weight":11,"slug":20},56,"Gaya Hidup","lifestyle",{"id":22,"doc_module":4,"doc_module_name":9,"category_name":23,"show_sort_weight":11,"slug":24},51,"Komik","comic",{"id":26,"doc_module":4,"doc_module_name":9,"category_name":27,"show_sort_weight":11,"slug":28},53,"Layanan Kesehatan","healthcare",{"id":30,"doc_module":4,"doc_module_name":9,"category_name":31,"show_sort_weight":11,"slug":32},54,"Penelitian & Laporan","research-report",{"id":34,"doc_module":4,"doc_module_name":9,"category_name":35,"show_sort_weight":11,"slug":36},49,"Sastra","literature",{"id":38,"doc_module":4,"doc_module_name":9,"category_name":39,"show_sort_weight":11,"slug":40},52,"Teknologi","technology",{"id":42,"doc_module":4,"doc_module_name":9,"category_name":43,"show_sort_weight":11,"slug":44},50,"Ujian","exam",{"id":46,"doc_module":4,"doc_module_name":9,"category_name":47,"show_sort_weight":11,"slug":48},57,"Umum","general",{"id":50,"doc_module":4,"doc_module_name":9,"category_name":51,"show_sort_weight":4,"slug":52},181,"Formulir","formulir",{"code":4,"msg":54,"data":55},"ok",{"site_id":56,"language":57,"slug":58,"title":59,"keywords":60,"description":61,"schema_data":62,"social_meta":120,"head_meta":122,"extra_data":124,"updated_unix":126},113,"id","5c-principles-analysis-in-credit-provision-to-prevent-nonperforming-loans-implementation-and-evaluation-at-pt-bank-pembangunan-daerah-bali-klungkung-branch","ANALISIS PRINSIP 5C DALAM PEMBERIAN KREDIT UNTUK MENCEGAH KREDIT BERMASALAH - Penerapan dan Evaluasi di PT Bank Pembangunan Daerah Bali Cabang Klungkung","","Penelitian ini bertujuan menganalisis penerapan prinsip 5C (Character, Capacity, Capital, Collateral, dan Condition) dalam proses pemberian kredit pada PT. Bank Pembangunan Daerah Bali Cabang Klungkung serta mengevaluasi efektivitasnya dalam mencegah kredit bermasalah. Pemberian kredit menjadi aktivitas utama perbankan yang berisiko tinggi tanpa analisis calon debitur yang tepat. Data periode 2022–2024 menunjukkan kredit bermasalah tetap terjadi, terutama karena kelemahan Character dan Condition. Metode kualitatif deskriptif digunakan melalui wawancara dan dokumentasi internal bank. Hasil menunjukkan penerapan 5C telah dilakukan secara prosedural, namun masih lemah pada aspek karakter dan kondisi usaha nasabah. Upaya perbaikan meliputi peningkatan akurasi penilaian, pelatihan analis kredit, pemantauan berkala kondisi usaha, dan evaluasi SOP, untuk menekan risiko kredit bermasalah serta meningkatkan kualitas portofolio kredit.",{"@graph":63,"@context":119},[64,81,102],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,72,75,78],{"item":68,"name":69,"@type":70,"position":71},"https://docshare.wps.com","Home","ListItem",1,{"item":73,"name":9,"@type":70,"position":74},"https://docshare.wps.com/id/document/",2,{"item":76,"name":31,"@type":70,"position":77},"https://docshare.wps.com/id/document/penelitian-laporan/",3,{"item":79,"name":59,"@type":70,"position":80},"https://docshare.wps.com/id/document/5c-principles-analysis-in-credit-provision-to-prevent-nonperforming-loans-implementation-and-evaluation-at-pt-bank-pembangunan-daerah-bali-klungkung-branch/230704/",4,{"url":79,"name":59,"@type":82,"image":83,"author":88,"headline":59,"publisher":91,"fileFormat":94,"inLanguage":57,"description":61,"dateModified":95,"datePublished":96,"encodingFormat":94,"isAccessibleForFree":97,"interactionStatistic":98},"DigitalDocument",{"url":84,"@type":85,"width":86,"height":87},"https://docshare.wps.com/thumbnails/5c-principles-analysis-in-credit-provision-to-prevent-nonperforming-loans-implementation-and-evaluation-at-pt-bank-pembangunan-daerah-bali-klungkung-branch/230704.png","ImageObject",300,407,{"name":89,"@type":90},"วิน","Person",{"url":68,"name":92,"@type":93},"DocShare","Organization","application/pdf","2026-09-26","2026-09-10",true,{"@type":99,"interactionType":100,"userInteractionCount":80},"InteractionCounter",{"@type":101},"ViewAction",{"@type":103,"mainEntity":104},"FAQPage",[105,111,115],{"name":106,"@type":107,"acceptedAnswer":108},"Apa tujuan penelitian terkait prinsip 5C dalam pemberian kredit?","Question",{"text":109,"@type":110},"Penelitian bertujuan menganalisis penerapan prinsip 5C dalam proses pemberian kredit dan mengevaluasi efektivitasnya dalam mencegah kredit bermasalah.","Answer",{"name":112,"@type":107,"acceptedAnswer":113},"Prinsip 5C apa saja yang dianalisis dalam penelitian ini?",{"text":114,"@type":110},"Prinsip yang dianalisis meliputi Character, Capacity, Capital, Collateral, dan Condition.",{"name":116,"@type":107,"acceptedAnswer":117},"Mengapa kredit bermasalah masih terjadi meskipun penyaluran kredit meningkat?",{"text":118,"@type":110},"Berdasarkan data 2022–2024, kredit bermasalah tetap terjadi terutama karena kelemahan pada aspek Character dan Condition.","https://schema.org",{"og:url":79,"og:type":121,"og:title":59,"og:site_name":92,"og:description":61},"article",{"robots":123,"canonical":79},"index,follow",{"doc_id":125,"site_id":56},230704,1789054030,{"code":4,"msg":5,"data":128},{"doc_id":125,"user_id":129,"nickname":89,"user_avatar":130,"doc_module":4,"category_id":30,"category_name":31,"doc_title":59,"doc_description":61,"doc_content":131,"file_id":132,"file_url":133,"file_type":134,"file_size":135,"view_count":80,"is_deleted":4,"is_public":71,"is_downloadable":71,"audit_status":71,"page_count":136,"language":137,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":138,"faqs":139,"seo_title":140,"seo_description":61,"update_tm":126,"read_time":141},2336475104736,"https://ap-avatar.wpscdn.com/avatar/22000c4c5e0e5b17e70?x-image-process=image/resize,m_fixed,w_180,h_180&k=1786591360781797222","ANALISIS PRINSIP 5C DALAM PEMBERIAN KREDIT UNTUK  \nMENCEGAH KREDIT BERMASALAH PADAPT. BANK  \nPEMBANGUNAN DAERAH BALI CABANG KLUNGKUNG  \nNAMA : NI KADEKAYU ARI NOVIYANTI  \nNIM : 2115613142  \nPROGRAM STUDI D3 AKUNTANSI JURUSANAKUNTANSI POLITEKNIK NEGERI BALI  \nANALISIS PRINSIP 5C DALAM PEMBERIAN KREDIT UNTUK MENCEGAH KREDIT BERMASALAH PADAPT.  \nBANK PEMBANGUNAN DAERAH BALI CABANG KLUNGKUNG  \nNI KADEKAYU ARI NOVIYANTI  \n2115613142  \n(Program Studi D3 Akuntansi, Politeknik Negeri Bali)  \nABSTRAK  \nPenelitian ini bertujuan untuk menganalisis penerapan prinsip 5C (Character, Capacity, Capital, Collateral, dan Condition) dalam prosespemberian kredit di PT. Bank Pembangunan Daerah Bali Cabang Klungkung, serta mengevaluasi efektivitasnya dalam mencegah terjadinya kredit bermasalah. Pemberian kredit merupakan kegiatanutama dalam operasional perbankan yang mengandung risiko tinggi jika tidak disertai dengan analisis yang tepat terhadap calon debitur. Berdasarkan data tahun 2022 hingga 2024, diketahui bahwa meskipun jumlah penyaluran kredit meningkat, kredit bermasalah tetap terjadi, terutama disebabkan oleh kelemahan dalam aspek Character dan Condition. Penelitian ini menggunakan metode kualitatif deskriptif dengan teknik pengumpulan data melalui wawancara langsung dengan pihak bank dan dokumentasi data internal bank. Hasil penelitian menunjukkan bahwa PT. BPD Bali Cabang Klungkung telah menerapkan prinsip 5C secara prosedural, namun pelaksanaannyamasih memiliki kelemahan pada aspek karakter dan kondisi usahanasabah. Upaya penanganan dilakukan dengan peningkatan akurasi penilaian karakter, pelatihan bagi analis kredit, pemantauan kondisi usaha secara berkala, serta evaluasi terhadap SOP pemberian kredit. Dengan penguatan pada aspek-aspek tersebut, diharapkan risiko kredit bermasalah dapat ditekan sehingga kualitas portofolio kredit bank menjadi lebih baik.  \nKata Kunci: Kredit Bermasalah, Prinsip 5C, Analisis Kredit, Perbankan, BPD Bali  \nANALISIS PRINSIP 5C DALAM PEMBERIAN KREDIT UNTUK MENCEGAH KREDIT BERMASALAH PADAPT.  \nBANK PEMBANGUNAN DAERAH BALI CABANG KLUNGKUNG  \nNI KADEKAYU ARI NOVIYANTI  \n2115613142  \n(Program Studi D3 Akuntansi, Politeknik Negeri Bali)  \nABSTRACT  \nThis study aims to analyze the implementation of the 5C principles (Character, Capacity, Capital, Collateral, and Condition) in the credit granting process at PT. Bank Pembangunan Daerah Bali, Klungkung Branch, as well as to evaluate its effectiveness in preventing nonperforming loans. Credit granting is a core activity in banking operations that carries high risk if not accompanied by proper analysis of prospective debtors. Based on data from 2022 to 2024, it is known that although the volume of credit disbursement increased, nonperforming loans still occurred, mainly due to weaknesses in the Character and Condition aspects. This study uses a descriptive qualitative method with data collection techniques through direct interviews with bank officials and documentation of internal bank data. The results show that PT. BPD Bali Klungkung Branch has implemented the 5C principles procedurally, but there are still weaknesses in the implementation of the character and business condition assessments of debtors. Mitigation efforts are carried out through improved accuracy in character assessment, training for credit analysts, regular monitoring of business conditions, and evaluation of credit granting SOPs. By strengthening these aspects, it is expected that the risk of non-performing loans can be reduced, thereby improving the quality of the bank's credit portfolio.  \nKeywords : Non-Performing Loans, 5C Principles, Credit Analysis, Banking, BPD Bali  \nDAFTAR ISI  \nHalaman Sampul Depan........................................................................................ i  \nAbstrak................................................................................................................... ii  \nAbstrak....................................................................","cbCaig9uoib2esKE","https://ap.wps.com/l/cbCaig9uoib2esKE","pdf",299924,17,"Indonesian","# Daftar Isi\n## BAB I PENDAHULUAN\n## A. Latar Belakang\n## B. Rumusan Kesenjangan\n## C. Tujuan dan Manfaat Penulisan\n## BAB II TINJAUAN PUSTAKA\n## A. Standar Aktivitas\n## B. Praktik Baik Aktivitas\n## BAB III METODE PENULISAN\n## A. Lokasi/Tempat dan Waktu Aktivitas\n## B. Teknik dan Instrumen Pengumpulan Data\n## C. Teknik Analisis Data\n## BAB IV PEMBAHASAN","[{\"question\":\"Apa tujuan penelitian terkait prinsip 5C dalam pemberian kredit?\",\"answer\":\"Penelitian bertujuan menganalisis penerapan prinsip 5C dalam proses pemberian kredit dan mengevaluasi efektivitasnya dalam mencegah kredit bermasalah.\"},{\"question\":\"Prinsip 5C apa saja yang dianalisis dalam penelitian ini?\",\"answer\":\"Prinsip yang dianalisis meliputi Character, Capacity, Capital, Collateral, dan Condition.\"},{\"question\":\"Mengapa kredit bermasalah masih terjadi meskipun penyaluran kredit meningkat?\",\"answer\":\"Berdasarkan data 2022–2024, kredit bermasalah tetap terjadi terutama karena kelemahan pada aspek Character dan Condition.\"}]","ANALISIS PRINSIP 5C DALAM PEMBERIAN KREDIT UNTUK MENCEGAH KREDIT BERMASALAH - Penerapan dan Evaluasi di PT Bank Pembangunan Daerah Bali Cabang Klungkung | PDF",26]