Prinsip kehati-hatian dalam pencegahan pembiayaan bermasalah

Atika, Jumi (2015) Prinsip kehati-hatian dalam pencegahan pembiayaan bermasalah. At-Tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam (2). pp. 22-38. ISSN 2356-492X

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Abstract

Banking is a business entity that collects funds from the public in the form
of savings and channel them to the public in the form of financing and
services in order to improve the standard of living of the people, in raising
funds from the public by the bank is a trust given by the people to the bank
so that when banking provide financing or disbursement of funds to be
very careful in order to maintain the trust of our customers and minimize
risks to the funds that have been disbursed, so that the precautionary
principle is one of the important principles in the management the banking
system, in carrying out its function and business, tends to take various
risks; therefore, it has to be cautious in protecting the people’s funds which
are credited to it. The implementation of the prudential principle will
affect the Bank itself and the people, especially the clients of the Bank. .In
the provision of financing bank must obey the rules that is more strict ,
such as the implementation of analysis 5C (character, capacity, capital,
collateral and condition of economy), dan 7P (personality, party, purpose,
prospect, payment, profitability, and protection) Because the prudential
principle can indirectly provide legal protection to the clients in order to
anticipate their loss.

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