{"id":2673,"date":"2022-10-04T08:11:49","date_gmt":"2022-10-04T01:11:49","guid":{"rendered":"https:\/\/ringkas.co.id\/?p=2673"},"modified":"2024-12-22T08:12:47","modified_gmt":"2024-12-22T01:12:47","slug":"pahami-prinsip-5c-yang-diterapkan-lembaga-keuangan","status":"publish","type":"post","link":"https:\/\/ringkas.co.id\/en\/blog\/kpr-101\/pahami-prinsip-5c-yang-diterapkan-lembaga-keuangan\/","title":{"rendered":"Understanding the 5C Principle Applied by Financial Institutions"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_66_1 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" >Daftar Isi<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/ringkas.co.id\/en\/blog\/kpr-101\/pahami-prinsip-5c-yang-diterapkan-lembaga-keuangan\/#Character\" title=\"Character\">Character<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/ringkas.co.id\/en\/blog\/kpr-101\/pahami-prinsip-5c-yang-diterapkan-lembaga-keuangan\/#Capacity\" title=\"Capacity\">Capacity<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/ringkas.co.id\/en\/blog\/kpr-101\/pahami-prinsip-5c-yang-diterapkan-lembaga-keuangan\/#Capital\" title=\"Capital\">Capital<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/ringkas.co.id\/en\/blog\/kpr-101\/pahami-prinsip-5c-yang-diterapkan-lembaga-keuangan\/#Collateral\" title=\"Collateral\">Collateral<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/ringkas.co.id\/en\/blog\/kpr-101\/pahami-prinsip-5c-yang-diterapkan-lembaga-keuangan\/#Condition\" title=\"Condition\">Condition<\/a><\/li><\/ul><\/nav><\/div>\n\n<p style=\"font-size:14px\">Saat kamu ingin meminjamkan uang ke temanmu, pasti banyak banget pertimbangannya, kan? Mulai dari sejarah temanmu seputar dunia perutangan, pola hidupnya sehari-hari, sampai untung atau ruginya kamu kalau meminjamkan uang ke temanmu. Semua hal tersebut juga akan menentukan besaran utang yang kamu ikhlas pinjamkan. Jika ada poin yang punya nilai merah, pastinya kamu akan berpikir berulang kali untuk memberikan pinjaman, kan? Prinsip ini juga berlaku jika ingin <a href=\"https:\/\/ringkas.co.id\/en\/blog\/kpr-101\/panduan-ajukan-kpr-individu-di-bawah-1-m\/\">mengajukan kredit<\/a> atau pinjaman ke bank.<\/p>\n\n\n\n<p style=\"font-size:14px\">Banks are very selective and strict to pass loan applications. They have their own principles that a person must fulfill to determine their eligibility as a borrower. Of course, banks or other financial institutions do not want their prospective borrowers to be unable to fulfill their obligations in the future. This principle is commonly known as the 5C Principle. What are the elements of 5C? Check out the explanation below!<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-character\"><span class=\"ez-toc-section\" id=\"Character\"><\/span>Character<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p style=\"font-size:14px\">You will be assessed in terms of character and personality. Everything will be assessed from the results of your interview with customer service. <em>customer service<\/em>. Serba-serbi pertanyaannya akan seputar kehidupanmu, mulai dari latar belakang, pola hidup, sampai lingkungan tempat tinggal. Poin-poin tersebut akan menentukan itikad baikmu dan bisa atau tidaknya kamu dipercaya sebagai seorang peminjam. Informasi seputar karakter calon peminjam dikelola oleh Bank Indonesia dan dikenal sebagai Sistem Informasi Debitur (SID), atau <a href=\"https:\/\/ringkas.co.id\/en\/blog\/kpr-101\/cek-dulu-6-cara-agar-kpr-di-acc-bank\/\">proses BI Checking<\/a>. SID sendiri berisi tentang riwayat finansial seseorang, profil pembayaran tagihan yang terdahulu misalnya.\u00a0\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-capacity\"><span class=\"ez-toc-section\" id=\"Capacity\"><\/span>Capacity<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p style=\"font-size:14px\">Prinsip ini akan menilai kemampuanmu dalam <a href=\"https:\/\/ringkas.co.id\/en\/blog\/finansial\/5-strategi-budgeting-realistis-untuk-2024\/\">mengelola keuangan<\/a> pribadi, maupun keuangan usaha yang kamu miliki. Hal ini akan berhubungan dengan kemampuanmu untuk membayar pinjaman yang ingin kamu ajukan. Pendapatan bersihmu yang akan jadi salah satu poin utama. Tentu saja pendapatan yang sudah dikurangi dengan utang yang kamu miliki.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-capital\"><span class=\"ez-toc-section\" id=\"Capital\"><\/span>Capital<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p style=\"font-size:14px\">Your assets and wealth will be the assessment points here. Especially for those of you who have a personal business. Some examples of assessment of this principle are by looking at how much savings, deposits, or other investment assets you have as a prospective borrower. For those of you who have a private business, your company's annual report will be one of the important factors. All these points will determine the amount of credit assistance you can get. The amount of down payment that you have to pay is also an influence in this principle.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-collateral\"><span class=\"ez-toc-section\" id=\"Collateral\"><\/span>Collateral<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p style=\"font-size:14px\">This principle is related to the previous one. The collateral that you can provide to the bank will determine whether or not the loan funds flow into your pocket. The greater the value of the collateral or guarantee that you can provide as a prospective borrower, the greater your chances of passing this one principle. Collateral is very important because it is what will become the property of financial institutions as confiscation, if you cannot fulfill your obligations as a borrower one day. Let's all say, \"God forbid!\".<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-condition\"><span class=\"ez-toc-section\" id=\"Condition\"><\/span>Condition<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p style=\"font-size:14px\">Arguably, this last principle has the broadest scope among the other principles. It covers both internal and external factors of you as a potential borrower. What are the external factors? Wider than the patience you have when a friend complains about her red-flag boyfriend, but never listens when you tell her to break up. Factors such as the state of the country's or region's economy, and the state of the industry of the business you're running, especially for those of you whose main income comes from the business. Points that you can't really control yourself. Hence, for this one point, you really need a fairly smooth communication with the financial institution you want to make as a borrower.&nbsp;<\/p>\n\n\n\n<p style=\"font-size:14px\">So, if you do have plans to apply for a loan to purchase a house or other assets, try to slowly fulfill each of the points. <a href=\"https:\/\/ringkas.co.id\/en\/13-tips-membeli-rumah-pertama-agar-kamu-tidak-salah-pilih\/\">payment<\/a> Actually, whether or not the analysis related to the 5C principles is strict also depends on the bank you choose. It is common knowledge that some banks are quite easy, some are very strict in approving loan applications. Whatever it is that you are aiming for, hopefully everything will be facilitated!<\/p>","protected":false},"excerpt":{"rendered":"<p>Saat kamu ingin meminjamkan uang ke temanmu, pasti banyak banget pertimbangannya, kan? Mulai dari sejarah temanmu seputar dunia &#8230;.<\/p>","protected":false},"author":1,"featured_media":3676,"comment_status":"open","ping_status":"open","sticky":false,"template":"lev","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"<!-- wp:paragraph {\"style\":{\"typography\":{\"fontSize\":\"14px\"}}} -->\n<p style=\"font-size:14px\">Saat kamu ingin meminjamkan uang ke temanmu, pasti banyak banget pertimbangannya, kan? Mulai dari sejarah temanmu seputar dunia perutangan, pola hidupnya sehari-hari, sampai untung atau ruginya kamu kalau meminjamkan uang ke temanmu. Semua hal tersebut juga akan menentukan besaran utang yang kamu ikhlas pinjamkan. Jika ada poin yang punya nilai merah, pastinya kamu akan berpikir berulang kali untuk memberikan pinjaman, kan? Prinsip ini juga berlaku jika ingin mengajukan kredit atau pinjaman ke bank.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:spacer {\"height\":\"15px\"} -->\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<!-- \/wp:spacer -->\n\n<!-- wp:paragraph {\"style\":{\"typography\":{\"fontSize\":\"14px\"}}} -->\n<p style=\"font-size:14px\">Bank sangat selektif dan ketat untuk meloloskan pengajuan pinjaman. Mereka memiliki prinsip sendiri yang harus dipenuhi seorang untuk menentukan kelayakannya sebagai peminjam. Tentunya, bank ataupun lembaga keuangan lainnya tidak mau jika calon peminjamnya tidak bisa memenuhi kewajibannya di masa depan. Prinsip ini biasa dikenal dengan Prinsip 5C. Apa saja sih unsur dari 5C ini? Simak penjelasannya di bawah ini yuk!<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:spacer {\"height\":\"30px\"} -->\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<!-- \/wp:spacer -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 id=\"h-character\"><strong>Character<\/strong><\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph {\"style\":{\"typography\":{\"fontSize\":\"14px\"}}} -->\n<p style=\"font-size:14px\">Kamu akan dinilai dari segi karakter dan kepribadian. Semua akan dinilai dari hasil wawancaramu dengan <em>customer service<\/em>. Serba-serbi pertanyaannya akan seputar kehidupanmu, mulai dari latar belakang, pola hidup, sampai lingkungan tempat tinggal. Poin-poin tersebut akan menentukan itikad baikmu dan bisa atau tidaknya kamu dipercaya sebagai seorang peminjam. Informasi seputar karakter calon peminjam dikelola oleh Bank Indonesia dan dikenal sebagai Sistem Informasi Debitur (SID), atau proses BI Checking. SID sendiri berisi tentang riwayat finansial seseorang, profil pembayaran tagihan yang terdahulu misalnya.&nbsp;&nbsp;<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:spacer {\"height\":\"20px\"} -->\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<!-- \/wp:spacer -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 id=\"h-capacity\"><strong>Capacity<\/strong><\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph {\"style\":{\"typography\":{\"fontSize\":\"14px\"}}} -->\n<p style=\"font-size:14px\">Prinsip ini akan menilai kemampuanmu dalam mengelola keuangan pribadi, maupun keuangan usaha yang kamu miliki. Hal ini akan berhubungan dengan kemampuanmu untuk membayar pinjaman yang ingin kamu ajukan. Pendapatan bersihmu yang akan jadi salah satu poin utama. Tentu saja pendapatan yang sudah dikurangi dengan utang yang kamu miliki.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:spacer {\"height\":\"20px\"} -->\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<!-- \/wp:spacer -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 id=\"h-capital\"><strong>Capital<\/strong><\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph {\"style\":{\"typography\":{\"fontSize\":\"14px\"}}} -->\n<p style=\"font-size:14px\">Aset dan kekayaanmu yang akan jadi poin penilaian di sini. Terutama bagi kamu yang memiliki usaha pribadi. Beberapa contoh penilaian dari prinsip ini adalah dengan melihat berapa besar saldo tabungan, deposito, atau aset investasi lain yang kamu miliki sebagai calon peminjam. Bagi kamu yang memiliki usaha pribadi, laporan tahunan perusahaanmu akan jadi salah satu faktor penting. Semua poin tersebut akan menentukan jumlah bantuan kredit yang bisa kamu dapatkan. Besarnya DP yang yang harus dibayarkan juga jadi pengaruh di prinsip ini.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:spacer {\"height\":\"20px\"} -->\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<!-- \/wp:spacer -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 id=\"h-collateral\"><strong>Collateral<\/strong><\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph {\"style\":{\"typography\":{\"fontSize\":\"14px\"}}} -->\n<p style=\"font-size:14px\">Prinsip ini berhubungan dengan prinsip sebelumnya. Jaminan yang bisa kamu berikan ke bank akan menentukan mudah atau tidaknya dana pinjaman mengalir ke sakumu. Semakin besar nilai agunan atau jaminan yang bisa kamu berikan sebagai calon peminjam, akan semakin besar pula kemungkinanmu untuk lolos dari prinsip satu ini. Jaminan jadi sangat penting karena hal tersebutlah yang akan menjadi hak milik lembaga keuangan sebagai sitaan, jika kamu tidak bisa memenuhi kewajibanmu sebagai peminjam suatu hari nanti. Mari sama-sama kita ucapkan, \u201camit-amit!\u201d.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:spacer {\"height\":\"20px\"} -->\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<!-- \/wp:spacer -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 id=\"h-condition\"><strong>Condition<\/strong><\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph {\"style\":{\"typography\":{\"fontSize\":\"14px\"}}} -->\n<p style=\"font-size:14px\">Bisa dibilang, prinsip terakhir ini memiliki cakupan yang paling luas di antara prinsip lainnya. Cakupannya melingkupi faktor internal dan eksternal dari dirimu sebagai calon peminjam. Faktor eksternalnya seluas apa? Lebih luas daripada kesabaran yang kamu miliki saat ada teman yang mengeluh soal pacarnya yang penuh bendera merah itu, tapi tidak pernah mau mendengarkan kalau kamu suruh putus. Faktor-faktor seperti keadaan ekonomi negara atau daerah, dan keadaan industri dari bisnis yang kamu jalani, terutama untuk kamu yang penghasilan utamanya berasal dari bisnis tersebut. Poin-poin yang sebenarnya tidak bisa kamu kendalikan sendiri. Makanya, untuk poin satu ini, kamu sangat memerlukan komunikasi yang cukup lancar dengan lembaga keuangan yang ingin kamu jadikan sebagai peminjam.&nbsp;<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:spacer {\"height\":\"15px\"} -->\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<!-- \/wp:spacer -->\n\n<!-- wp:paragraph {\"style\":{\"typography\":{\"fontSize\":\"14px\"}}} -->\n<p style=\"font-size:14px\">Lumayan berat ya poin-poin di atas? Jadi, kalau kamu memang punya rencana untuk mengajukan pinjaman untuk <a href=\"https:\/\/ringkas.co.id\/13-tips-membeli-rumah-pertama-agar-kamu-tidak-salah-pilih\/\">pembelian<\/a> rumah atau aset lainnya, coba untuk penuhi secara perlahan setiap poinnya ya. Sebenarnya, ketat atau tidaknya analisis terkait prinsip 5C, juga tergantung bank yang kamu pilih. Sudah jadi rahasia umum kalau beberapa bank cukup memudahkan, beberapa memang sangat ketat dalam menyetujui pengajuan pinjaman. Apa pun itu yang kamu tuju, semoga semuanya dimudahkan ya!<\/p>\n<!-- \/wp:paragraph -->","_et_gb_content_width":"1080","inline_featured_image":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[4],"tags":[6,8,9,11],"class_list":["post-2673","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kpr-101","tag-info-kpr","tag-kpr","tag-property","tag-tips-kpr"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pahami Prinsip 5C yang Diterapkan Lembaga Keuangan | Ringkas<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ringkas.co.id\/en\/blog\/kpr-101\/pahami-prinsip-5c-yang-diterapkan-lembaga-keuangan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pahami Prinsip 5C yang Diterapkan Lembaga Keuangan | Ringkas\" \/>\n<meta property=\"og:description\" content=\"Saat kamu ingin meminjamkan uang ke temanmu, pasti banyak banget pertimbangannya, kan? 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