{"id":"https://openalex.org/W7215787992","doi":"https://doi.org/10.59112/aw0q1682","title":"ANALISIS PENERAPAN PRINSIP 5 C DALAM PENGAMBILAN KEPUTUSAN PEMBERIAN KREDIT PADA PT. BPR UGM YOGYAKARTA","display_name":"ANALISIS PENERAPAN PRINSIP 5 C DALAM PENGAMBILAN KEPUTUSAN PEMBERIAN KREDIT PADA PT. BPR UGM YOGYAKARTA","publication_year":2025,"publication_date":"2025-08-22","ids":{"openalex":"https://openalex.org/W7215787992","doi":"https://doi.org/10.59112/aw0q1682"},"language":"en","primary_location":{"id":"doi:10.59112/aw0q1682","doi":"https://doi.org/10.59112/aw0q1682","is_oa":false,"landing_page_url":"https://doi.org/10.59112/aw0q1682","pdf_url":null,"source":{"id":"https://openalex.org/S5407054282","display_name":"Jurnal Ilmiah Ekonomi dan Kewirausahaan","issn_l":"1411-3880","issn":["1411-3880","2963-6396"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I4405275179","host_organization_name":"Universitas Nusa Megarkencana","host_organization_lineage":["https://openalex.org/I4405275179"],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Jurnal Ilmiah Ekonomi dan Kewirausahaan","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"bronze","oa_url":"https://ejournal.unmeka.ac.id/index.php/JIEK/article/download/9/6","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5155788904","display_name":"Ryan Marwa Sadhita","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4405275179","display_name":"Universitas Nusa Megarkencana","ror":"https://ror.org/033ebek60","country_code":"ID","type":"education","lineage":["https://openalex.org/I4405275179"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Ryan Marwa Sadhita","raw_affiliation_strings":["Sekolah Tinggi Ilmu Ekonomi Nusa Megarkencana"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Sekolah Tinggi Ilmu Ekonomi Nusa Megarkencana","institution_ids":["https://openalex.org/I4405275179"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5154477208","display_name":"Winanto Nawarcono","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4405275179","display_name":"Universitas Nusa Megarkencana","ror":"https://ror.org/033ebek60","country_code":"ID","type":"education","lineage":["https://openalex.org/I4405275179"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Winanto Nawarcono","raw_affiliation_strings":["Sekolah Tinggi Ilmu Ekonomi Nusa Megarkencana"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Sekolah Tinggi Ilmu Ekonomi Nusa Megarkencana","institution_ids":["https://openalex.org/I4405275179"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I4405275179"],"apc_list":null,"apc_paid":null,"fwci":2.4207,"has_fulltext":true,"cited_by_count":4,"citation_normalized_percentile":{"value":0.86838924,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":97,"max":98},"biblio":{"volume":"20","issue":"1","first_page":"57","last_page":"64"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":0.6547999978065491,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":0.6547999978065491,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T14183","display_name":"Banking Sector Performance and Management","score":0.29100000858306885,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.023099999874830246,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/5c-credit-analysis","display_name":"5C credit analysis","score":0.9290000200271606},{"id":"https://openalex.org/keywords/credit-decisions","display_name":"credit decision-making","score":0.847000002861023},{"id":"https://openalex.org/keywords/non-performing-loans","display_name":"non-performing loans","score":0.8040000200271606},{"id":"https://openalex.org/keywords/credit-risk-assessment","display_name":"credit risk assessment","score":0.7680000066757202},{"id":"https://openalex.org/keywords/rural-banks","display_name":"rural banks","score":0.46000000834465027},{"id":"https://openalex.org/keywords/collateral","display_name":"collateral","score":0.6549999713897705},{"id":"https://openalex.org/keywords/borrower-capacity","display_name":"borrower capacity","score":0.5509999990463257},{"id":"https://openalex.org/keywords/character-assessment","display_name":"character assessment","score":0.3840000033378601},{"id":"https://openalex.org/keywords/economic-conditions","display_name":"economic conditions","score":0.48500001430511475}],"concepts":[{"id":"https://openalex.org/C2777910564","wikidata":"https://www.wikidata.org/wiki/Q694563","display_name":"Collateral","level":2,"score":0.7502999901771545},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6017000079154968},{"id":"https://openalex.org/C182306322","wikidata":"https://www.wikidata.org/wiki/Q1779371","display_name":"Order (exchange)","level":2,"score":0.532800018787384},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.477400004863739},{"id":"https://openalex.org/C121955636","wikidata":"https://www.wikidata.org/wiki/Q4116214","display_name":"Accounting","level":1,"score":0.4496999979019165},{"id":"https://openalex.org/C18762648","wikidata":"https://www.wikidata.org/wiki/Q42213","display_name":"Work (physics)","level":2,"score":0.42739999294281006},{"id":"https://openalex.org/C29143872","wikidata":"https://www.wikidata.org/wiki/Q876690","display_name":"Business process reengineering","level":3,"score":0.4075999855995178},{"id":"https://openalex.org/C68842666","wikidata":"https://www.wikidata.org/wiki/Q1070699","display_name":"Credit history","level":2,"score":0.40209999680519104},{"id":"https://openalex.org/C178350159","wikidata":"https://www.wikidata.org/wiki/Q162714","display_name":"Credit risk","level":2,"score":0.3952000141143799},{"id":"https://openalex.org/C2778357065","wikidata":"https://www.wikidata.org/wiki/Q1165788","display_name":"Prudence","level":2,"score":0.3847000002861023},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.3693000078201294},{"id":"https://openalex.org/C98045186","wikidata":"https://www.wikidata.org/wiki/Q205663","display_name":"Process (computing)","level":2,"score":0.3237999975681305},{"id":"https://openalex.org/C2781238097","wikidata":"https://www.wikidata.org/wiki/Q175026","display_name":"Object (grammar)","level":2,"score":0.3192000091075897},{"id":"https://openalex.org/C24308983","wikidata":"https://www.wikidata.org/wiki/Q5183781","display_name":"Credit reference","level":3,"score":0.3158000111579895},{"id":"https://openalex.org/C174957148","wikidata":"https://www.wikidata.org/wiki/Q5183765","display_name":"Credit card interest","level":4,"score":0.31139999628067017},{"id":"https://openalex.org/C2780414751","wikidata":"https://www.wikidata.org/wiki/Q157470","display_name":"Debtor","level":4,"score":0.29829999804496765},{"id":"https://openalex.org/C130731218","wikidata":"https://www.wikidata.org/wiki/Q1363554","display_name":"Financial analysis","level":2,"score":0.2851000130176544},{"id":"https://openalex.org/C9652623","wikidata":"https://www.wikidata.org/wiki/Q190109","display_name":"Field (mathematics)","level":2,"score":0.2741999924182892},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.2614000141620636},{"id":"https://openalex.org/C129454956","wikidata":"https://www.wikidata.org/wiki/Q1402508","display_name":"Field research","level":2,"score":0.26109999418258667},{"id":"https://openalex.org/C2776916960","wikidata":"https://www.wikidata.org/wiki/Q637156","display_name":"Warrant","level":2,"score":0.257999986410141},{"id":"https://openalex.org/C2993791488","wikidata":"https://www.wikidata.org/wiki/Q676459","display_name":"Bank account","level":3,"score":0.25760000944137573},{"id":"https://openalex.org/C202451310","wikidata":"https://www.wikidata.org/wiki/Q328554","display_name":"Accounts receivable","level":2,"score":0.25360000133514404}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.59112/aw0q1682","doi":"https://doi.org/10.59112/aw0q1682","is_oa":false,"landing_page_url":"https://doi.org/10.59112/aw0q1682","pdf_url":null,"source":{"id":"https://openalex.org/S5407054282","display_name":"Jurnal Ilmiah Ekonomi dan Kewirausahaan","issn_l":"1411-3880","issn":["1411-3880","2963-6396"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I4405275179","host_organization_name":"Universitas Nusa Megarkencana","host_organization_lineage":["https://openalex.org/I4405275179"],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Jurnal Ilmiah Ekonomi dan Kewirausahaan","raw_type":"journal-article"},{"id":"pmh:oai:ejournal.unmeka.ac.id:article/9","doi":null,"is_oa":true,"landing_page_url":"https://ejournal.unmeka.ac.id/index.php/JIEK/article/view/9","pdf_url":"https://ejournal.unmeka.ac.id/index.php/JIEK/article/download/9/6","source":{"id":"https://openalex.org/S5407054282","display_name":"Jurnal Ilmiah Ekonomi dan Kewirausahaan","issn_l":"1411-3880","issn":["1411-3880","2963-6396"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I4405275179","host_organization_name":"Universitas Nusa Megarkencana","host_organization_lineage":["https://openalex.org/I4405275179"],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"10.59112/jiek.v20i1","raw_type":"info:eu-repo/semantics/article"}],"best_oa_location":{"id":"pmh:oai:ejournal.unmeka.ac.id:article/9","doi":null,"is_oa":true,"landing_page_url":"https://ejournal.unmeka.ac.id/index.php/JIEK/article/view/9","pdf_url":"https://ejournal.unmeka.ac.id/index.php/JIEK/article/download/9/6","source":{"id":"https://openalex.org/S5407054282","display_name":"Jurnal Ilmiah Ekonomi dan Kewirausahaan","issn_l":"1411-3880","issn":["1411-3880","2963-6396"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I4405275179","host_organization_name":"Universitas Nusa Megarkencana","host_organization_lineage":["https://openalex.org/I4405275179"],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"10.59112/jiek.v20i1","raw_type":"info:eu-repo/semantics/article"},"sustainable_development_goals":[],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W7215787992.pdf","grobid_xml":"https://content.openalex.org/works/W7215787992.grobid-xml"},"referenced_works_count":0,"referenced_works":[],"related_works":["https://openalex.org/W2948648013","https://openalex.org/W2778907745","https://openalex.org/W1531997840","https://openalex.org/W7070454434","https://openalex.org/W2553094937","https://openalex.org/W7166643847","https://openalex.org/W2743763088","https://openalex.org/W4376486250","https://openalex.org/W6998590672","https://openalex.org/W2803331883"],"abstract_inverted_index":{"Credit":[0],"is":[1,73,128,170],"one":[2],"of":[3,46,54,88,116,126,131,134,140,145,154,164,180,192,200,204],"the":[4,23,25,37,42,52,71,79,86,93,114,129,138,146,152,162,167,178,184,198,216],"products":[5],"owned":[6],"by":[7,70,97,219],"bank":[8,26],"and":[9,21,82,102,110,124,189,208],"non-bank":[10],"financial":[11],"institutions":[12],"which":[13,106],"carries":[14],"a":[15,29,210],"considerable":[16],"risk.":[17],"To":[18],"gain":[19],"confidence":[20],"protect":[22],"bank,":[24],"must":[27],"conduct":[28],"careful":[30],"assessment.":[31],"This":[32],"analysis":[33,56,133,169],"seeks":[34],"to":[35,40,50,77,85,113,150,161],"determine":[36,51],"debtor's":[38],"ability":[39],"return":[41],"credit":[43,59,175,213],"received.The":[44],"purpose":[45],"this":[47],"study":[48,147],"was":[49],"application":[53,87],"5C":[55,89,118,132,168],"in":[57,75,137,173,182,195,212],"making":[58,174],"decisions":[60],"at":[61],"PT.":[62],"BPR":[63],"UGM":[64],"Yogyakarta.":[65],"The":[66,143],"research":[67],"method":[68],"used":[69],"author":[72],"observation":[74],"order":[76],"obtain":[78],"required":[80],"information":[81,83],"related":[84,112],"analysis.":[90],"In":[91],"addition,":[92],"authors":[94],"collect":[95],"data":[96],"conducting":[98,103],"field":[99],"work":[100],"practices":[101],"literature":[104],"studies":[105],"include":[107],"books,":[108],"journals,":[109],"documents":[111],"object":[115],"research.The":[117],"principle":[119,130,179],"(Character,":[120],"Capacity,":[121],"Capital,":[122],"Collateral,":[123],"Condition":[125],"economy)":[127],"prospective":[135,193],"customers":[136,194],"process":[139],"providing":[141],"credit.":[142],"results":[144],"show":[148],"that":[149,158],"minimize":[151],"risk":[153],"non-":[155],"performing":[156],"loans":[157],"can":[159],"lead":[160],"occurrence":[163],"NonPerforming":[165],"Loans,":[166],"very":[171],"important":[172],"decisions.":[176],"With":[177],"prudence":[181],"assessing":[183],"character,":[185],"ability,":[186],"capital,":[187],"collateral":[188],"business":[190],"prospects":[191],"accordance":[196],"with":[197],"provisions":[199],"Law":[201],"No.":[202],"10":[203],"1998":[205],"concerning":[206],"Banking":[207],"applying":[209],"guideline":[211],"based":[214],"on":[215],"principles":[217],"determined":[218],"Bank":[220],"Indonesia.":[221]},"counts_by_year":[{"year":2026,"cited_by_count":4}],"updated_date":"2026-11-10T11:39:43.021295","created_date":"2026-10-03T00:00:00"}