ANALISIS PENERAPAN PRINSIP 5C DALAM PEMBIAYAAN MODAL USAHA UNTUK MENCEGAH RESIKO KREDIT MACET DI BMT MUBARAKAH UNDAAN KUDUS

Abstrak

Penelitian ini bertujuan untuk menganalisis penerapan prinsip 5C (Character, Capacity, Capital, Collateral, dan Condition) dalam pembiayaan modal usaha serta efektivitasnya dalam mencegah risiko kredit macet di BMT Mubarakah Undaan Kudus. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan teknik pengumpulan data melalui wawancara, observasi, dan dokumentasi terhadap pengurus serta nasabah BMT. Hasil penelitian menunjukkan bahwa penerapan prinsip 5C telah dilaksanakan dengan cukup baik, terutama pada aspek karakter dan kapasitas usaha nasabah dalam proses analisis pembiayaan. Namun, masih terdapat kendala seperti keterbatasan sumber daya manusia, kurangnya pembaruan data usaha, serta lemahnya sistem monitoring pasca pembiayaan. Meskipun demikian, penerapan prinsip 5C terbukti efektif dalam menekan tingkat pembiayaan bermasalah (Non Performing Financing/NPF) dan menjaga stabilitas keuangan lembaga. Penelitian ini menegaskan pentingnya penerapan prinsip kehati-hatian berbasis nilai syariah dalam manajemen risiko pembiayaan di lembaga keuangan mikro syariah.

This study aims to analyze the implementation of the 5C principles (Character, Capacity, Capital, Collateral, and Condition) in business capital financing and its effectiveness in preventing credit risk at BMT Mubarakah Undaan Kudus. The research employs a qualitative descriptive approach using interviews, observation, and documentation involving BMT management and customers. The findings reveal that the implementation of the 5C principles has been carried out effectively, particularly in assessing customers’ character and business capacity. However, several challenges remain, including limited human resources, lack of updated business data, and weak post-financing monitoring systems. Despite these obstacles, the application of the 5C principles has proven effective in reducing non-performing financing (NPF) and maintaining institutional financial stability. This study highlights the importance of applying prudential principles based on Islamic values in risk management practices within Islamic microfinance institutions.