5c + S as NEW MODEL APPROACH FOR SUCCESSFUL CREDIT’S LOAN

Abstract

The problem of bad debts is still an interesting topic to be reviewed because it affects most
things in the economic activities of a country especially businessmen both of industry and
small and medium enterprises. This study aims to find the appropriate concept approach in
overcoming the problem. The 5C + S approach was used in building this model by using 250
respondents of small and medium business, and path analysis was used as a data analysis tool.
Research finding showed that 1) together and partially the 5C dimensions; character, capacity,
economic condition, capital, collateral, simultaneously and partially have a significant effect
on Business Performance Partnership Program Pertamina Co.Ltd, Region II, South Sumatra; 2)
Direct Performance has no effect on collectability Partnership Program. Pertamina Co.Ltd,
Region II, South Sumatra; 3) Performance and spirituality have interactive effect on
collectability partnership program of Pertamina Co.Ltd, Region II, South Sumatra.