PRINSIP KEHATI-HATIAN DALAM PENCEGAHAN PEMBIAYAAN BERMASALAH

Jumi Atika

Abstract


Banking is a business entity that collects funds from the public in the form of savings and channel them to the public in the form of financing and services in order to improve the standard of living of the people, in raising funds from the public by the bank is a trust given by the people to the bank so that when banking provide financing or disbursement of funds to be very careful in order to maintain the trust of our customers and minimize risks to the funds that have been disbursed, so that the precautionary principle is one of the important principles in the management the banking system, in carrying out its function and business, tends to take various risks;  therefore, it has to be cautious in protecting the people’s funds which are credited to  it. The implementation of the prudential principle will affect the Bank itself and the people, especially the clients of the Bank. .In the provision of financing bank must obey the rules that is more strict , such as the implementation of analysis 5C (character, capacity, capital, collateral and condition of economy), dan 7P (personality, party, purpose, prospect, payment, profitability, and protection)  Because the prudential principle can indirectly provide legal protection to the clients in order to anticipate their loss.


Keywords


The Precautionary Principle; Financing Problems; Analysis Of 5C Financing And 7P; Principles Of Supervision

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