ANALISIS PROSEDUR PEMBERIAN KREDIT PADA KSP SARI MERTHA UTAMA

This study aims to identify and describe the credit granting procedures at Koperasi Simpan Pinjam (KSP) Sari Mertha Utama, as well as to examine and describe the implementation of the 5C principles in the credit granting procedures at KSP Sari Mertha Utama. Data were collected through interviews, observation, and documentation. The study employed a qualitative data analysis technique, including data reduction, data presentation, and conclusion drawing or verification. This research used a qualitative approach with a descriptive research design. The findings indicate that KSP Sari Mertha Utama has implemented structured and systematic credit granting procedures. These procedures consist of several important stages, namely: submission of credit applications, interview process, creditworthiness analysis, credit decision-making, signing of the credit agreement, and credit disbursement. The application of the 5C principles (Character, Capacity, Capital, Collateral, and Condition) as guidelines for evaluating creditworthiness at KSP Sari Mertha Utama has been carried out effectively. Each aspect serves as the basis for assessing the eligibility of prospective borrowers to receive credit facilities. Penelitian ini bertujuan untuk mengetahui dan mendeskripsikan prosedur pemberian kredit pada Koperasi Simpan Pinjam (KSP) Sari Mertha Utama, serta mengetahui dan mendeskripsikan penerapan prinsip 5C dalam prosedur pemberian kredit pada KSP Sari Mertha Utama. Pengumpulan data dilakukan melalui metode wawancara, observasi, dan dokumentasi. Penelitian ini menggunakan teknik analisis data kualitatif yaitu reduksi data, penyajian data, dan penarikan kesimpulan atau verifikasi. Penelitian ini menggunakan pendekatan kualitatif dengan jenis penelitian deskriptif. Hasil penelitian menunjukkan KSP Sari Mertha Utama telah menerapkan prosedur pemberian kredit secara terstruktur dan sistematis. Prosedur tersebut mencakup beberapa tahapan penting, yaitu: pengajuan permohonan kredit, proses wawancara, analisis kelayakan kredit, pengambilan keputusan kredit, penandatanganan perjanjian kredit, serta realisasi pencairan kredit. Penerapan prinsip 5C (Character, Capacity, Capital, Collateral, dan Condition) sebagai pedoman evaluasi kelayakan kredit pada Koperasi Simpan Pinjam (KSP) Sari Mertha Utama telah dilaksanakan dengan baik. Setiap aspek digunakan sebagai dasar untuk menilai kelayakan calon debitur dalam menerima fasilitas kredit.