Tinjauan Hukum Penerapan Prinsip 5C Dan 7P Dalam Pemberian Kredit Pada Koperasi Simpan Pinjam Swamitra Di Pekanbaru

Raniah, Salsabila Vian (2022) Tinjauan Hukum Penerapan Prinsip 5C Dan 7P Dalam Pemberian Kredit Pada Koperasi Simpan Pinjam Swamitra Di Pekanbaru. Other thesis, Universitas Islam Riau.

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Abstract

Cooperatives are the right institutions to buil the country’s economy, because cooperative have goal to improve the welfare of its members in particular and the welfare of society in general, as well as one that cannot be separated from the national economic in order to give birth to an advanced, impartial and prosperous society based on Pancasila and the 1945 Constitution of The Republic Indonesia. In this covid-19 era, all activities including business activities are limited by the government so that economic growth decrease and many businisses have difficulties. Therefore, many people need loans from financial institutions including in Savings and Loan Cooperative. The management of the Savings and Loans Cooperative must run well and healty, so that there are no problems such as non-performing loans or bad loans. To minimize non-performing loans, cooperative always carry out a comprehensive investigation of the data of prospective debtors by taking into the principle of prudence. In applying the principle of prudence, cooperative refer to several guidelines known as the 5C an 7P principles. From this background, the formulation of the problem emerger there are How is the implementation of the 5C and 7P principles in Swamitra Cooperative? and What are the obstacles in implementing the 5C and 7P principles in Swamitra Cooperative? The method used in this research is empirical legal research, which is a legal research method using empirical facts obtained from interviews and also direct observations in the field. This research is descriptive by collecting actual information clearly. Data collection is obtained from the results of literature studies and interview. The location chosen in this study is the Swamitra Cooperative in Pekanbaru. The result obtained in this study, there are The 5C and 7P principles are still under-appreciated because the Swamitra Cooperative is still not comprehensive in analyzing the data of prospective debtors, so that nonperforming loans cannot be avoided. The also because the debtor has bad faith and is very skilles at falsifying data so that his goals are archieved. The problems in implementing the 5C and 7P principles there are the debtor’s business goes bankrupt, the guarantee provided is not marketable, the purpose of using the credit is not as stated, there is bad faith, and high loan interest rates.

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