The Effect 5C Principle Assessment on Non-Performing Loans at PT Bank Pembangunan Daerah Bali Tabanan Branch Office

Rahmawati, Ni Kadek Ayu Rika and Sudana, I Made and Wahyuni, Luh Mei (2022) The Effect 5C Principle Assessment on Non-Performing Loans at PT Bank Pembangunan Daerah Bali Tabanan Branch Office. Repositori Politeknik Negeri Bali.

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Abstract

Non-performing loans at Bank BPD Bali Tabanan Branch Office have increased from 2019–2021. NPLs occur because of the debtor's failure to fulfill his obligations, but it is not entirely the fault of the debtor. NPL is also caused by ineffective implementation of 5C (character, capacity, capital, condition, and collateral). This study aims to calculate the significant impact of the 5C principle assessment by partially or simultaneously on NPL at Bank BPD Bali Tabanan Branch Office. This study uses causal associative research along with quantitative techniques. The data used in this study is primary data obtained from interviews and questionnaires of 47 respondents. Sampling used the census sampling method. The datasets in this study were analyzed using multiple linear regression analysis with the assistance of the IBM SPSS v25 application. The results partially show that character (X1), capacity (X2), capital (X3), condition (X4), and collateral (X5) have a negative and significant effect on non-performing loans (Y). Simultaneously, the results showed that the 5C variable (character, capacity, capital, condition, and collateral) had a significant effect of 72,2% on non-performing loans at Bank BPD Bali Tabanan Branch Office, and the remaining 27,8% was influenced by the other variables outside of this study.

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