Published date: May 17 2024

Journal Title: KnE Social Sciences

Issue title: 1st International Conference on Islamic Economics, Business Development and Studies (1st ICIEBDS)

Pages: 202–222

DOI: 10.18502/kss.v9i16.16246

Oza Restianitaozarestianita27@gmail.comUniversitas Islam Negeri (UIN) Raden Intan Lampung

Dimas PratomoUniversitas Islam Negeri (UIN) Raden Intan Lampung

Selly SeptiaUniversitas Islam Negeri (UIN) Raden Intan Lampung

The prudential principle is crucial to the continued success of the business. As far as giving support in light of Sharia standards and completing different activities, banks need to make strides that do not hurt the bank and the interests of clients who share their assets with the bank. And, banks are expected to work as per prudential standards. This study employed descriptive qualitative research, which falls under the category of field research. Information sources in this study utilized essential information acquired through meetings and auxiliary information such as true records, diaries, and other writing. The results showed that the implementation of the prudential banking principle in business capital financing at BPRS Metro Madani Head Office is by using feasibility analysis 5C + IS, 7P and setting the maximum limit of fund disbursement. The application of good prudential principles has a positive and good impact on the bank. This is evidenced by the decline in the level of problematic financing in BPRS from year to year.

Keywords: prudence principle, problem financing, NPF

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