Analisis Kelayakan Pembiayaan dalam Meminimalisir Risiko Kredit Pembiayaan Konsumen pada PT. Adira Dinamika Multifinance Tbk.

Abstract

This study aims to analyze the implementation of the 5C principles in assessing financing feasibility and their role in minimizing the risk of non-performing financing at PT Adira Dinamika Multi Finance Tbk Pelita Raya Branch. The 5C principles character, capacity, capital, collateral, and condition of economy are used as the basis for evaluating prospective customers before financing approval. This research employs a descriptive qualitative method. Data were collected through interviews, observations, and documentation, and analyzed using data reduction, data presentation, and conclusion drawing techniques. The results indicate that the implementation of the 5C principles has been carried out systematically and in an integrated manner throughout the financing process. Character and capacity are the main determining factors in assessing feasibility, while capital, collateral, and condition of economy serve as supporting factors. In addition, the involvement of cross-functional roles such as sales, surveyors, and the Branch Business Manager reflects strong internal control. Therefore, the implementation of the 5C principles plays a significant role in minimizing non-performing financing risk and maintaining the quality of the company’s financing portfolio