Pelaksanaan Prinsip Kehati-hatian terhadap Proses Penyaluran Pembiayaan oleh Perusahaan Jasa Pembiayaan

This research analyzes the implementation of the Prudence Principle required by Otoritas Jasa Keuangan in PT Tifa Finance with its focus on leasing product. Research data retrieval is done by field observations, interviews with the parties concerned and literature review such as documents owned by PT Tifa Finance. This research uses 5P (Fed, 2004) and 5C (Tirole, 2010) approach in the analysis of the process in financing disbursement. The research result is Prudence Principle in PT Tifa Finance effect on the process of financing disbursement in order to prevent the occurrence of a nonperforming finance (NPF). It is apparent from a series of regulations and systems relating to the Prudence Principle in PT Tifa Finance, such as Know Your Customer (KYC), Underlying Policy, Code of Conduct (CoC), Standard Operating Procedures (SOP) and participation with the Debtor Information System (SID) Bank Indonesia. The weakness of 5P and 5C analysis in PT Tifa Finance can be found on Protection aspect that is less relevant as well as minor flaws on the People and Condition aspect.