ANALISIS PENERAPAN PRINSIP 5C DI UPK SYARIAH TUJUAH SARUMPUN KECAMATAN AMPEK ANGKEK

Abstrak

The background of this study is the persistent obstacles in repayment of financing in the Women's Savings and Loan Program (SPP) at UPK Syariah Tujuah Sarumpun, which indicates the suboptimal application of the precautionary principle in assessing the eligibility of prospective members. In fact, the full application of the 5C principle (character, capacity, capital, collateral, and condition of economy) should be able to minimize the risk of problematic financing. This study aims to analyze how the 5C principle is applied in the SPP financing distribution process at UPK Syariah Tujuah Sarumpun. This study is a qualitative descriptive study, with primary data sources in the form of interviews with UPK administrators and administrative documentation related to financing. Data collection techniques were carried out through interviews, observation, and documentation, then analyzed using data reduction methods, data presentation, and inductive conclusion drawing. The results of the study indicate that the 5C principle has become the main guideline in the financing process, but has not been fully implemented in accordance with the theory. Character assessment is carried out through group leaders and social observations, but does not include an examination of financing history or lifestyle behavior. The Capacity principle has not been assessed in depth due to the lack of financial evidence such as pay slips or business reports. The Capital Principle is not the primary focus, and the Collateral Principle is merely moral in nature and has no legal force. The Condition of Economy Principle has been applied through observations of members' business sectors during field verification. These findings indicate that the suboptimal implementation of the 5C Principle contributes to the emergence of problematic financing in the field.