Implementation of the 5C of Credits Principle in Ver-In of Financing Feasibility at Bank Syariah Indonesia, Yogyakarta Branch Office
Abstract
This study aims to analyze the implementation of the 5C of Credits principle in the ver-in process of financing feasibility assessment at Bank Syariah Indonesia Yogyakarta branch office, identify the obstacles encountered, and examine their impact on financing decision-making. This research employs a descriptive qualitative approach using a case study method through interviews and direct observations conducted during the internship program. The findings indicate that the 5C of Credits principle have been implemented as the primary guideline in assessing the feasibility of prospective customers. The main obstacles in the ver-in process include information asymmetry, such as salary slip manipulation, concealment of debt information, and inconsistencies in customer data. These conditions may affect the quality of financing decision-making and increase the risk of non-performing financing; therefore, verifiers carries out various risk mitigation strategies to obtain more accurate information.
Keyword: 5C of Credits, Ver-in, Financing, Information Asymmetry.
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