1.1 CharacterMerupakan data tentang

1.1 Character
Merupakan data tentang kepribadian dari calon pelanggan seperti sifat-sifat pribadi, kebiasaan-kebiasaannya, cara hidup, keadaan dan latar belakang keluarga maupun hobinya. Kegunaan dari penilaian tesebut untuk mengetahui sampai sejauh mana iktikad/kemauan calon calon debitur untuk memenuhi kewajibannya (wiilingness to pay) sesuai dengan janji yang telah ditetapkan.
Pemberian kredit atas dasar kepercayaan, sedangkan yang mendasari suatu kepercayaan, yaitu adanya keyakinan dari pihak bank bahwa calon debitur memiliki moral, watak dan sifat-sifat pribadi yang positif dan koperatif. Disamping itu mempunyai tanggung jawab, baik dalam kehidupan pribadi sebagai manusia, kehidupan sebagai anggota masyarakat, maupun dalam menjalankan usahanya. Karakter merupakan faktor yang dominan, sebab walaupun calon debitur tersebut cukup mampu untuk menyelesaikan hutangnya, kalau tidak mempunyai itikad yang baik tentu akan membawa kesulitan bagi bank dikemudian hari.

1.2 Capacity
Capacity dalam hal ini merupakan suatu penilaian kepada calon debitur mengenai kemampuan melunasi kewajiban-kewajibannya dari kegiatan usaha yang dilakukannya yang akan dibiayai dengan kredit dari bank. Jadi jelaslah maksud penilaian dari terhadap capacity ini untuk menilai sampai sejauh mana hasil usaha yang akan diperolehnya tersebut akan mampu untuk melunasinya tepat pada waktunya sesuai dengan perjanjian yang telah disepakati (Mulyono,1993)
Pengukuran capacity dari calon debitur dapat dilakukan melalui berbagai pendekatan antara lain pengalaman mengelola usaha (business record) nya, sejarah perusahaan yang pernah dikelola (pernah mengalami masa sulit apa tidak, bagaimana mengatasi kesulitan). Capacity merupakan ukuran dari ability to pay atau kemampuan dalam membayar.

1.3 Capital
Adalah kondisi kekayaan yang dimiliki oleh perusahaan yang dikelolanya. Hal ini bisa dilihat dari neraca, laporan rugi-laba, struktur permodalan, ratio-ratio keuntungan yang diperoleh seperti return on equity, return on investment. Dari kondisi di atas bisa dinilai apakah layak calon pelanggan diberi pembiayaan, dan beberapa besar plafon pembiayaan yang layak diberikan.

1.4 Condition of economy
Kredit yang diberikan juga perlu mempertimbangkan kondisi ekonomi yang dikaitkan dengan prospek usaha calon debitur. Ada suatu usaha yang sangat tergantung dari kondisi perekonomian, oleh karena itu perlu mengaitkan kondisi ekonomi dengan usaha calon debitur.
Permasalahan mengenai Condition of economy erat kaitannya dengan faktor politik, peraturan perundang-undangan negara dan perbankan pada saat itu serta keadaan lain yang mempengaruhi pemasaran seperti Gempa bumi, tsunami, longsor, banjir dsb.
Sebagai contoh beberapa saat yang lalu terjadi gejolak ekonomi yang bersifat negatif dan membuat nilai tukar rupiah menjadi sangat rendah, hal ini menyebabkan perbankan akan menolak setiap bentuk kredit invenstasi maupun konsumtif.

1.5 Collateral
Adalah jaminan yang mungkin bisa disita apabila ternyata calon debitur benar-benar tidak bisa memenuhi kewajibannya .Collateral diperhitungkan paling akhir, artinya bilamana masih ada suatu kesangsian dalam pertimbangan-pertimbangan yang lain, maka bisa menilai harta yang mungkin bisa dijadikan jaminan. Pada hakikatnya bentuk collateral tidak hanya berbentuk kebendaan bisa juga collateral tidak berwujud, seperti jaminan pribadi (bortogch), letter of guarantee, rekomendasi. Penilaian terhadap collateral ini dapat ditinjau dari 2 (dua) segi yaitu :
a. Segi ekonomis yaitu nilai ekonomis dari barang-barang yang akan digunakan.
b. Segi yuridis apakah agunan tersebut memenuhi syarat-syarat yuridis untuk dipakai sebagai agunan.

Hasil (Inggris) 1:

1.1 CharacterData about personae from prospective customers such as private properties, kebiasaan-kebiasaannya, way of life, the circumstances and family background as well as his hobby. The usefulness of the assessment are to find out the extent to which prospective candidates will make/debtors to meet their obligations (wiilingness to pay) in accordance with a predetermined appointment.The granting of credit on the basis of trust, whereas an underlying belief, i.e. the existence of a conviction of the bank that prospective borrowers have morals, character and personal traits of positive and koperatif. Beside that, have a responsibility, both in private life as a human, a life as a member of society, as well as in the conduct of its business. The character is the dominant factor, because even though the debtor quite capable candidate to resolve the debt, if it has no good faith will certainly bring difficulties for banks in the future.1.2 CapacityCapacity in this case is a judgment debtor to candidates regarding the ability of paying off obligations from business activities that he did that will be financed with loans from the bank. So the obvious intent of the assessment of the capacity to assess the extent to which the results of these efforts to be acquired will be able to pay it off on time in accordance with the agreed arrangements (Mulyono,1993)Measuring the capacity of prospective borrowers can be done through a variety of approaches, among others, experience managing businesses (business record), his company's history has ever managed (never experienced hard times what it does, how to overcome difficulties). Capacity is a measure of ability to pay or the ability to pay.1.3 CapitalIs a condition of the wealth owned by the dikelolanya company. It can be seen from the balance sheet, the profit-loss statement, capital structure, ratio-ratio advantage obtained as return on equity, return on investment. Of the above conditions can be assessed whether viable prospects given the financing, and some of the ceiling proper financing is granted.1.4 the Condition of economyCredit given also need to consider the economic conditions associated with future business prospects of the debtor. There is a business that is highly dependent upon the condition of the economy, hence the need to relate the economic condition of the debtor's business potential.Problems regarding the Condition of economy closely related to political factors, State legislation and banking at that time as well as other circumstances that affect marketing such as earthquakes, tsunamis, landslides, floods, etc.As an example a while ago going economic turmoil that is negative and make the exchange rate of rupiah to be very low, this led to banking will reject any form of credit invenstasi or consumer.1.5 CollateralAdalah jaminan yang mungkin bisa disita apabila ternyata calon debitur benar-benar tidak bisa memenuhi kewajibannya .Collateral diperhitungkan paling akhir, artinya bilamana masih ada suatu kesangsian dalam pertimbangan-pertimbangan yang lain, maka bisa menilai harta yang mungkin bisa dijadikan jaminan. Pada hakikatnya bentuk collateral tidak hanya berbentuk kebendaan bisa juga collateral tidak berwujud, seperti jaminan pribadi (bortogch), letter of guarantee, rekomendasi. Penilaian terhadap collateral ini dapat ditinjau dari 2 (dua) segi yaitu :a. Segi ekonomis yaitu nilai ekonomis dari barang-barang yang akan digunakan.b. Segi yuridis apakah agunan tersebut memenuhi syarat-syarat yuridis untuk dipakai sebagai agunan.

Hasil (Inggris) 2:

1.1 Character
Represents data about the personality of prospective customers as personal traits, habits, ways of life, circumstances and family background and hobbies. Usefulness of proficiency level assessment to determine the extent to which goodwill / willingness of prospective candidates for the debtor to fulfill its obligations (wiilingness to pay) in accordance with the promise that has been set.
The extension of credit on the basis of trust, and the underlying belief, that is the belief on the part of the bank that the candidate the debtor has a moral, character and personal traits were positive and cooperative. Besides, it has a responsibility, both in private life as a human being, life as a member of society, as well as in business. Character is the dominant factor, because even though the debtor candidate capable enough to resolve the debt, if not have a good faith will certainly bring difficulties for banks in the future. 1.2 Capacity Capacity in this case is an assessment of the ability of borrowers to repay their obligations of business activity that does that will be financed by loans from the bank. So it is clear intent of the assessment of this capacity to assess the extent to which the results of the acquired business will be able to pay it off in a timely manner in accordance with the agreed arrangement (Mulyono, 1993) Measuring capacity of prospective borrowers can be done through a variety of approaches, among others experience manage the business (business records) it, the history of the company has ever managed (never having a difficult time what is not, how to overcome difficulties). Capacity is a measure of ability to pay or ability to pay. 1.3 Capital is the condition of the assets owned by the company management. This can be seen from the balance sheet, income statement, capital structure, ratio-ratio profits such as return on equity, return on investment. Of the above conditions can be judged whether it is feasible prospect given the financing, and some large ceiling viable financing granted. 1.4 Condition of economy Loans also need to consider the economic conditions associated with the business prospects of borrowers. There is a business that is highly dependent on economic conditions, therefore it is necessary to relate the economic conditions with business borrowers. Issues concerning the Condition of economy is closely related to political factors, legislation and state banks at that time as well as other conditions that affect the marketing of such earthquakes, tsunamis, landslides, floods and so on. For example, some time ago there was a negative economic shocks and make the exchange rate becomes very low, this led to banks will reject any form of credit or consumer invenstasi. 1.5 Collateral is a guarantee that may can be seized if it turns out prospective borrower really can not fulfill its obligations taken into account the most recent .Collateral, meaning when there is still some doubt in the other considerations, it can assess the property that may be used as collateral. In essence, not only in the form of collateral material can also intangible collateral, such as personal guarantees (bortogch), letters of guarantee, recommendation. Assessment of the collateral can be viewed from two (2) terms, namely: a. Economical in terms of the economic value of the goods that will be used. b. Juridical terms of whether the collateral meets the requirements for use as collateral juridical.