Abstract:
Credit analysis represent assessment to an application of credit ( good of application new credit, lengthening / reconditional, and also restructuring) competent or [do] not to be channelled to Debitor. There are some principles assessment of credit which is often conducted] that is with analysis 5 C'S that is : Assessment of Character (Character), Assessment of Ability ( Capacity), Assessment to capital ( Capital), Assessment to agunan ( Collateral), and Assessment to prospect of[is effort debitor client ( economy of condition).
Pursuant to result of research knowing that Usage 5C's in each;every application credit represent absolute matter and must be done to determine decision accepted or refusing of credit. In Bank Credit People Rokan Go downstream assessment to application of Credit started with checking proposal and bind application of credit from debitor candidate, is later;then done/conducted by investigation to binding loan and also interview is hereinafter done/conducted by assessment of elegibility of credit using analysis 5 C'S, Before deciding of application [of] credit accepted or [do] not. But in field pelaksanaanyan there are some constraint so that usage 5 C'S in analysis giving of unworkable credit in an optimal fashion, this matter because condition of economics, and Bank management.
To evaluate the above mentioned assessment hence conducted by research having the character of is descriptive. This research is conducted by in Bank Credit People Sub-Province Rokan Go downstream through admission filling of kuisioner from some debtor people taken as responder for this research
