TINJAUAN TENTANG THE FIVE C’S OF CREDIT DALAM PERJANJIAN KREDIT UMKM PADA PT. BANK PEMBANGUNAN DAERAH JAWA TENGAH CABANG SURAKARTA

HENRY DRAJAD WIBOWO, Dr. Ari Hernawan, S.H., M.Hum.

2015 | Tesis | S2 Kenotariatan

Penelitian ini bertujuan untuk mengetahui bagaimana pelaksanaan the five C's of Credit dalam perjanjian kredit UMKM pada PT. Bank Pembangunan Daerah Jawa Tengah Cabang Surakarta dan untuk mengetahui bagaimana penyelesaian kredit bermasalah karena implementasi The Five C's of Credit dalam perjanjian kredit UMKM pada PT. Bank Pembangunan Daerah Jawa Tengah Cabang Surakarta. Pengajuan kemampuan dan kesediaan calon debitur melunasi kredit dipengaruhi faktor internal dan eksternal bank yang dicakup dalam The Five C's of Credit Analysis, sehingga proses analisis dengan pelaksanaan analisis 5 C ini merupakan tahap yang penting dalam kualifikasi pemberian kredit. Penelitian ini merupakan penelitian yuridis empiris yang menggunakan penelitian kepustakaan dan penelitian lapangan. Penelitian kepustakaan dilakukan dengan menghimpun data dari berbagai literatur berupa bahan hukum, sedangkan penelitian lapangan dengan wawancara dan pedoman wawancara.Teknik analisis data yang digunakan dalam penelitian ini adalah analisis data kualitatif. Hasil penelitian ini adalah bahwa PT. Bank Pembangunan Daerah Jawa Tengah Cabang Surakarta dalam memberikan UMKM melaksanakan five c’s of credit. Hal ini berarti bahwa hukum yaitu Pasal 1 ayat (11) Undang-Undang No 10 Tahun 1998 tentang perubahan Undang-Undang No 7 Tahun 1992 tentang perbankan yang diwujudkan dengan fives C’s of credit merupakan kontrol sosial dalam pelaksanaan pemberian UMKM pada PT. Bank Pembangunan Daerah Jawa Tengah Cabang Surakarta. Dalam perjanjian kredit UMKM, PT. Bank Pembangunan Daerah Jawa Tengah Cabang Surakarta senantiasa melaksanakan The Five C’s Of Credit Analysis yang merupakan ukuran kemampuan penerima kredit untuk mengembalikan pinjamannya. Analis kredit memeriksa Daftar Hitam Bank Indonesia (BI Checking) untuk melihat kolektibilitas kredit / tingkat kesehatan kredit debitur. Analis kredit juga melakukan trade checking yaitu pencarian informasi ke rekan bisnis pemohon kredit, pesaingnya ataupun pemilik usaha sejenis untuk memperoleh informasi mengenai reputasi, etika, jenis usaha, dan perilaku bisnis calon debitur. Kata kunci : Kredit UMKM, The Five c’s of Credit

This aims of this research are to discover how the implementation of five C's of Credit in UMKM credit agreement at PT. Regional Development Bank of Central Java of Surakarta Branch and to discover how the settlement of bad debt credit due to the implementation of the five C's of Credit in UMKM credit agreement at PT. Regional Development Bank of Central Java of Surakarta Branch. Application of debtor candidate‟s ability and willingness to pay off the credit is influenced by bank‟s internal and external factors encompassed within The Five C's of Credit Analysis, hence the analysis process by using this 5 C implementation is the critical stage in credit qualification. This research is an empirical juridical research which used library and field research. Library research was performed by collecting data of various literature in form of legal materials, whereas the field research was conducted by interviews and based on interview guidelines. Data analysis technique used in this research was qualitative data analysis. Result of this research was that PT. Regional Development Bank of Central Java of Surakarta Branch in granting the UMKM credit was using five c‟s of credit. It means that in law namely Article 1 paragraph (11) Law No. 10 Year 1998 regarding amendment of Law No. 7 Year 1992 regarding banks who granting credit by using the five C‟s of credit is a social control in the implementation of UMKM credit agreement at PT. Regional Development Bank of Central Java of Surakarta Branch. In the UMKM credit agreement, PT. Regional Development Bank of Central Java of Surakarta Branch always carries out The Five C’s Of Credit Analysis which is a measure of credit receriver‟s ability to pay off the loan. The credit analyst examines the Bank of Indonesia‟s Black List (BI Checking) to observe the debtor‟s credit collectability or credit soundness level. The credit analyst also performs trade checking namely an information search to the credit applicant‟s business partners, the competitors or similar business owners to derive information regarding the debtor candidate‟s reputation, ethic, type of business, and business conduct. Key Words : Credit of UMKM, The Five c’s of Credit

Kata Kunci : Kredit UMKM, The Five c’s of Credit