The Principles of The Loan

The main principles of the loan is 5 C and this principle must be held and understood and implemented by the credit officer.

Principle 5 C are:

Caracter personal character or disposition of the prospective borrower must dimngerti, when a bad character, and eyes of the public has a negative value then the credit should be rejected.

Collateral

Collateral is owned by prospective borrowers should be examined carefully whether the guarantee of private property or property of others and does not guarantee the legal issues involved. What is the value of collateral.

Capacit

Capacit How is the capacity of borrowers in managing the finances, how the profits obtained after obtaining the loan and Could Calin debtor in payment of kredft given.

Capital

Capital How large is the financial capital of the prospective borrower, whether the capital actually owned the property itself or its equity capital in the form of cooperation.

Condition

Condition How business conditions of borrowers at this time if it has good prospects in the future, whether its in the form of seasonal or not and how its business associated with the current economic conditions.

Modal Auxiliary

Can
Can be used to express ability, and in Indonesian can be defined with more or less may or may.
Example :
- He can finish the work in a day
Can used to express permission and in the Indonesian roughly means "may"
- You can use my pen if you don’t bring yours
May
May be used to express possibility or probability (ability), and in Indonesian roughly means “possible”.
Example :
- He may not be able to finish the work on time
- I may come late tomorrow
Must
Must be used to express necessity or obligation, and in language means "must".
Example:
- We must submit the task next Tuesday
- She must be sick as she looks pale and weak
Will
Will used to express the will of futures, and in the Indonesian language support is often interpreted as "will".
Example :
- We will not go to the party tonight
- Will you help me carry this suitcase?


shall
Shall used to express the will of futures, and in the Indonesian language support is often interpreted as "shall", used by subjects I and We.
Example :
- I shall call him tonight
- Shall i take you there now?
Could
Could, if the past is a form of cans, used to express past abilities, and also means "can or can".
Example :
- His uncle could swim across this river when he was youg
- Could you type this letter for me?
Might
Might be used to express possibility, and in Indonesian defined as "possible".
Example :
- He might win the game if he has good luck
Should / Ought To
Should / Ought to be used to express advisability, and in Indonesian can be interpreted as "should or should".
Example :
- He shouldask an apology to her for that mistake