<![CDATA[Banking is everything related to banks, including institutions, business activities, as well as methods and processes in carrying out their business activities. This is contained in Law Number 7 of 1992 jo. Law Number 10 of 1998 concerning Banking Article 1 number 1. The main function of banking in Indonesia is to collect funds and distribute public funds. In carrying out its functions, banking in Indonesia must be based on economic democracy by using the principle of prudence. The State Savings Bank Pamekasan Branch provides housing loans in the form of payments in installments and each grant to prospective debtors by going through the credit application procedure and through an analysis process of providing credit for the proposed credit, after completing administrative procedures. The analysis used in banking is the 5 C Analysis (The Five C's of Credit Analysis) namely character, capital, capacity, collateral, and condition of economy. The legal rules related to the principle of The Five C's Of Credit Analysis in the provision of mortgage loans based on Law Number 10 of 1998 concerning Banking are in accordance with (Article 8 especially paragraphs 2), 11, 29, and 49. Banks must have confidence in their ability and the ability of the debtor customer, among others, obtained from a careful and careful assessment of the character, ability, capital, collateral, and business prospects of the debtor customer. The implementation of the five c's of credit analysis in providing home ownership loans at the Pamekasan Branch of the State Savings Bank has been carried out to determine which debtors are eligible for loans. Assessment of character/ character, capacity/ ability, capital/ capital, collateral/ guarantee, condition of economy/ economic condition is carried out during the credit application procedure and analysis of the credit application that has been submitted. Banks will be able to assess the five c's of credit analysis of each debtor at the time of filling out the credit application form, interview, and visiting the debtor's residence. Thus, the investigation of the truth of the information provided by the debtor is true or not true. In granting home ownership loans, it cannot be separated from bad credit which is influenced by the debtor's business failure, bad character, moving, and death, which is less than 2% per year.]]>
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