IMPLEMENTATION OF PRUDENTIAL BANKING PRINCIPLES THROUGH 5C ANALYSIS ON MICRO FINANCE 75iB IN BRI SYARIAH KCP PURBALINGGA

UMI NUR HAYATI, NIM: 1423204083 (2017) IMPLEMENTATION OF PRUDENTIAL BANKING PRINCIPLES THROUGH 5C ANALYSIS ON MICRO FINANCE 75iB IN BRI SYARIAH KCP PURBALINGGA. Diploma thesis, IAIN Purwokerto.

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Abstract

BRI Syariah KCP Purbalingga is a bank that runs its operations with sharia principles and has a function as a financial institution that collects and distributes funds to the community, BRI Syariah KCP Purbalingga channeling funds through several products one of which is microfinance iB by using the contract of murābahah bi al wakālah. Microfinance iB is packed in 3 (three) products ie micro 25iB, micro 75iB, and micro 500iB which is currently a micro 200iB. Of the three scales the number is balanced, but larger than the outstanding side of 75iB micro-financing and micro 200iB, while for the most number of accounts exist in 75iB microfinance. In relation to the function of Islamic banks, the authors are interested in conducting research on the implementation of prudential banking principles through 5C analysis on 75iB microfinance. This study is a field study conducted at BRI Syariah KCP Purbalingga to explore relevant data and data sources. Data collection techniques used are observation, interview and documentation. The collected data is then analyzed by descriptive method. The result of this research shows that BRI Syariah has applied prudential principles with 5C analysis that is character analysis through Bi Checking and account officer do tradecheking, capacity analysis through calculation of customer turnover, capital analysis seen through inventory amount owned, collateral can be analyzed with The way the account officer visits the place of security, condition economy is seen from the business condition whether in the future has better prospects and sharia analysis is assessed through the type of business is not contradictory to the Islamic Shari'a and the conformity of the contract used.

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