Financing is one product that is in great demand on public. In minimizing problem loans, the stages of credit analysis must apply the principle of 5 C to the maximum. The research method used is descriptive qualitative approach. Sources of data obtained from primary data is taken from the annual report and secondary data, namely books, journals and supporting data from the bank. The results of banking analysis that want to reduce the NPF level must pay attention to the 5C principle and analyze credit must prioritize quality not quantity. In addition, there are pillars that support analysis such as the three feasibility pillars which are the main basis of the feasibility analysis of lending including: 1) Management credibility 2) Ability to repay financing.3) Collateral and 5 (Five) regulators in reducing credit risk include: 1) Loan Provisioning Authority, 2) Types of Credit and Distribution Based on the category according to the needs and abilities of prospective customers, 3) The Assessment Process is applied in accordance with the principles of the financing process, 4) Credit Prices, 5) Determination of Maturity / Maturity to alleviate prospective borrowers to the bank.
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