UAS ANALISIS LAP. KEUANGAN SYARIAH
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University
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Dianita Lecturer
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20 questions
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1.
MULTIPLE CHOICE QUESTION
2 mins • 5 pts
Apa tujuan utama dari analisis 5C dalam proses perkreditan?
Menghindari kerugian bank akibat bunga rendah
Menilai kemampuan dan kelayakan debitur dalam mengembalikan kredit
Mengurangi biaya operasional kredit
Menetapkan suku bunga pinjaman secara fleksibel
2.
MULTIPLE CHOICE QUESTION
2 mins • 5 pts
Seorang analis kredit menemukan bahwa nasabah memiliki riwayat gagal bayar, tetapi arus kas saat ini sangat stabil. Unsur 5C yang paling terdampak adalah:
Capital
Capacity
Collateral
Character
3.
MULTIPLE CHOICE QUESTION
2 mins • 5 pts
Dalam menilai agunan (collateral), aspek utama yang perlu dipertimbangkan adalah:
Legalitas dan nilai likuidasi aset
Tingkat pendapatan pemilik usaha
Riwayat pinjaman sebelumnya
Sumber pendanaan proyek
4.
MULTIPLE CHOICE QUESTION
2 mins • 5 pts
Jika nasabah mengalami penurunan drastis dalam kemampuan membayar cicilan, maka bank sebaiknya:
Meningkatkan bunga pinjaman
Menambah jangka waktu pinjaman
Melakukan penjadwalan ulang kredit
Menjual aset jaminan secara cepat
5.
MULTIPLE CHOICE QUESTION
2 mins • 5 pts
Salah satu indikator risiko kredit tinggi adalah:
Tingginya nilai jaminan
Pinjaman jangka pendek
Rasio pinjaman terhadap pendapatan > 60%
Suku bunga tetap
6.
MULTIPLE CHOICE QUESTION
2 mins • 5 pts
Fungsi utama analisis laporan keuangan dalam kredit adalah untuk:
Mengetahui strategi pemasaran perusahaan
Mengukur loyalitas pelanggan
Menilai kelayakan keuangan calon debitur
Menilai legalitas usaha
7.
MULTIPLE CHOICE QUESTION
2 mins • 5 pts
Berikut ini adalah faktor yang bukan termasuk dalam 5C analisis kredit:
Character
Capacity
Condition
Cost
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