NALISIS PENERAPAN PRINSIP 5 C “Character, Capasity, Capital, Condition, Collateral” DALAM PEMBERIAN PEMBIAYAAN KPR NON SUBSIDI (Studi Kasus Pada PT. Bank BTN Syariah Kendari)

Reski Rahmi Utami, NIM: 19050102059, R (2025) NALISIS PENERAPAN PRINSIP 5 C “Character, Capasity, Capital, Condition, Collateral” DALAM PEMBERIAN PEMBIAYAAN KPR NON SUBSIDI (Studi Kasus Pada PT. Bank BTN Syariah Kendari). Other thesis, IAIN KENDARI.

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Abstract

ABSTRAK
Reski Rahmi Utami, NIM: 19050102059, Analisis Penerapan
Prinsip 5C Character, Capacity, Capital, Condition, Collateral.
Dalam Pemberian Pembiayaan KPR Non Subsidi Pada PT Bank
BTN Syariah Kendari (Studi Kasus Pada PT. Bank BTN Syariah
Kendari). Dibimbing oleh Bapak Alfian Toar SP. MM., Selaku
Pembimbing I, dan Ibu Dra Beti Mulu M.Pd, Selaku pembimbing
II., Program Studi Perbankan Syariah Tahun 2024.
Penelitian ini bertujuan untuk mengetahui penerapan prinsip 5C dalam
pemberian pembiayaan KPR Non Subsidi pada Bank BTN Syariah
Kendari dan bagaimana prosedur dan persyaratan dalam pengajuan
pembiayaan KPR Non Subsidi serta upaya-upaya yang dilakukan
sehingga tidak terjadi gagal bayar. jenis penelitian yang digunakan
adalah penelitian lapangan dengan menggunakan pendekatan deskriptif
kualitatif dengan turun langsung kelapangan untuk memahami
fenomena yang terjadi. Jenis data yang digunakan adalah data primer
dan data sekunder dengan teknik pengumpulan data melalui observasi,
wawancara dan dokumentasi. Adapun informan dalam penelitian ini
yaitu para Staff Consumer Vinancing Servis yang berhubungan
langsung dengan KPR Non Subsidi yang ada di Bank BTN Syariah
Kendari. Hasil penelitian ini menunjukkan bahwa analisis 5C sangat
berpengaruh dalam proses pembiayaan yang ada di Bank BTN Syariah
Kendari. Perannya dibuktikan dengan tidak adanya pembiayaan
bermasalah yang terjadi pada pembiayaan KPR Non Subsidi karena
pihak Bank telah menerapkan Standar Operasional Prosedur (SOP)
dengan benar dan menerapkan segala prosedur yang ada yaitu
melakukan pengenalan nasabah dengan mengecek data pribadi, data
penghasilan maupun BI Checking calon nasabah. Namun dalam proses
Analisis 5C belum sepenuhnya dikatakan baik dan belum sepenuhnya
dapat meminimalisir pembiayaan Bermasalah, karena masih terdapat
beberapa kekurangan pada dibeberapa aspek diantaranya pada aspek
penilaian Character dan Capital.
Kata Kunci : Prinsip 5C, KPR Non Subsidi, Pembiayaan Bermasalah
ABSTRACT
Reski Rahmi Utami, NIM: 19050102059, Analysis of the
Application of the 5C Principles of Character, Capacity, Capital,
Condition, Collateral. In providing non-subsidized mortgage
financing at PT Bank BTN Syariah Kendari (Case Study on PT.
Bank BTN Syariah Kendari). Guided by Mr. Alfian Toar SP. MM.,
as Supervisor I, and Mrs. Dra Beti Mulu M.Pd, as Supervisor II.,
Sharia Banking Study Program in 2024.
This study aims to find out the application of the 5C principle in the
provision of Non-Subsidized Mortgage financing at Bank BTN Syariah
Kendari and how the procedures and requirements in applying for Non-
Subsidized Mortgage financing as well as the efforts made so that there
is no default. The type of research used is field research using a
qualitative descriptive approach by going directly to the field to
understand the phenomenon that occurs. The types of data used are
primary data and secondary data with data collection techniques
through observation, interviews and documentation. The informants in
this study are the Consumer Vinancing Service Staff who are directly
related to the Non-Subsidized Mortgage at Bank BTN Syariah Kendari.
The results of this study show that the 5C analysis is very influential in
the financing process at Bank BTN Syariah Kendari. Its role is
evidenced by the absence of problematic financing that occurs in Non-
Subsidized Mortgage financing because the Bank has implemented the
Standard Operating Procedures (SOP) correctly and implemented all
existing procedures, namely introducing customers by checking
personal data, income data and BI Checking prospective customers.
However, in the process of 5C Analysis, it has not been completely said
to be good and has not been able to fully minimize problematic
financing, because there are still several shortcomings in several
aspects, including in the aspect of Character and Capital assessment.
Keywords: 5C Principle, Non-Subsidized Mortgages, Non-Subsidized
Financing

Item Type:	Thesis (Other)
Additional Information:	Kata Kunci : Prinsip 5C, KPR Non Subsidi, Pembiayaan Bermasalah
Uncontrolled Keywords:	Kata Kunci : Prinsip 5C, KPR Non Subsidi, Pembiayaan Bermasalah
Subjects:	Ekonomi > Bank Ekonomi > Bank Islam
Divisions:	Fakultas Ekonomi dan Bisnis Islam > Prodi Perbankan Syariah
Depositing User:	Unnamed user with username asni
Date Deposited:	15 Jul 2025 06:45
Last Modified:	03 Apr 2026 09:15
URI:	http://digitallib.iainkendari.ac.id/id/eprint/3977

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