Analysis of 5C+1S Principles in Minimizing the Risk of Working Capital Murabahah Financing
This study aims to analyze the application of the 5C+1S (Character, Capacity, Capital, Collateral, Condition, and Sharia) principles in minimizing the risk of Murabahah financing at Bank Syariah Indonesia KCP Pancor. The research uses a qualitative descriptive approach with primary data through emp...
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| Format: | Article |
| Language: | English |
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Institut Agama Islam Sunan Giri Ponorogo
2024-12-01
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| Series: | Indonesian Journal of Islamic Economics and Finance |
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| Online Access: | https://ejournal.insuriponorogo.ac.id/index.php/jief/article/view/5792 |
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| author | Hadratullah Hadratullah Anang Sejati |
| author_facet | Hadratullah Hadratullah Anang Sejati |
| author_sort | Hadratullah Hadratullah |
| collection | DOAJ |
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This study aims to analyze the application of the 5C+1S (Character, Capacity, Capital, Collateral, Condition, and Sharia) principles in minimizing the risk of Murabahah financing at Bank Syariah Indonesia KCP Pancor. The research uses a qualitative descriptive approach with primary data through employee and customer interviews and secondary data from bank documents. The results show that the 5C+1S principle helps assess customer eligibility despite obstacles such as limited human resources, lack of selectivity in customer selection, and the influence of economic conditions. To overcome these challenges, intensive training is recommended to improve the quality of human resources, periodic supervision of customers, risk analysis technology, diversification of financing portfolios, and improvement of customer financial literacy. Consistent and adaptive implementation of economic changes can help BSI KCP Pancor mitigate the risk of non-performing financing and maintain the sustainability of its operations.
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| format | Article |
| id | doaj-art-2a3d5bd228ed431fb63fb691bc7fca9d |
| institution | DOAJ |
| issn | 2808-1102 |
| language | English |
| publishDate | 2024-12-01 |
| publisher | Institut Agama Islam Sunan Giri Ponorogo |
| record_format | Article |
| series | Indonesian Journal of Islamic Economics and Finance |
| spelling | doaj-art-2a3d5bd228ed431fb63fb691bc7fca9d2025-08-20T03:18:09ZengInstitut Agama Islam Sunan Giri PonorogoIndonesian Journal of Islamic Economics and Finance2808-11022024-12-014210.37680/ijief.v4i2.5792Analysis of 5C+1S Principles in Minimizing the Risk of Working Capital Murabahah FinancingHadratullah Hadratullah0Anang Sejati1Institut agama Islam Hamzanwadi Pancor Lombok TimurInstitut agama Islam Hamzanwadi Pancor Lombok Timur This study aims to analyze the application of the 5C+1S (Character, Capacity, Capital, Collateral, Condition, and Sharia) principles in minimizing the risk of Murabahah financing at Bank Syariah Indonesia KCP Pancor. The research uses a qualitative descriptive approach with primary data through employee and customer interviews and secondary data from bank documents. The results show that the 5C+1S principle helps assess customer eligibility despite obstacles such as limited human resources, lack of selectivity in customer selection, and the influence of economic conditions. To overcome these challenges, intensive training is recommended to improve the quality of human resources, periodic supervision of customers, risk analysis technology, diversification of financing portfolios, and improvement of customer financial literacy. Consistent and adaptive implementation of economic changes can help BSI KCP Pancor mitigate the risk of non-performing financing and maintain the sustainability of its operations. https://ejournal.insuriponorogo.ac.id/index.php/jief/article/view/57925C 1S Principles; Risk; Murabahah |
| spellingShingle | Hadratullah Hadratullah Anang Sejati Analysis of 5C+1S Principles in Minimizing the Risk of Working Capital Murabahah Financing Indonesian Journal of Islamic Economics and Finance 5C 1S Principles; Risk; Murabahah |
| title | Analysis of 5C+1S Principles in Minimizing the Risk of Working Capital Murabahah Financing |
| title_full | Analysis of 5C+1S Principles in Minimizing the Risk of Working Capital Murabahah Financing |
| title_fullStr | Analysis of 5C+1S Principles in Minimizing the Risk of Working Capital Murabahah Financing |
| title_full_unstemmed | Analysis of 5C+1S Principles in Minimizing the Risk of Working Capital Murabahah Financing |
| title_short | Analysis of 5C+1S Principles in Minimizing the Risk of Working Capital Murabahah Financing |
| title_sort | analysis of 5c 1s principles in minimizing the risk of working capital murabahah financing |
| topic | 5C 1S Principles; Risk; Murabahah |
| url | https://ejournal.insuriponorogo.ac.id/index.php/jief/article/view/5792 |
| work_keys_str_mv | AT hadratullahhadratullah analysisof5c1sprinciplesinminimizingtheriskofworkingcapitalmurabahahfinancing AT anangsejati analysisof5c1sprinciplesinminimizingtheriskofworkingcapitalmurabahahfinancing |