The bank is a business entity that builds its funds from the community in the form of savings and channels them to the community in the form of credit or loan to improve the standard of living. many people. As the economy grows after the implementation of credit, the bank will face credit risk from time to time. There are many ways to minimize credit risk. The first is to carry out a customer analysis of the 5Cs (character, capacity, capital, state of the economy and guarantee). Since credit to a debtor must meet the requirements of the principle known as 5Cs, the five principles are: a) CharacterCharacter is data about the personality of potential customers such as personal traits, habits, fashions life, circumstances and family history as well as hobbies. Usefulness of skill level assessment in determining the extent to which the faith/willingness of potential borrowers to fulfill their obligation (willingness to pay) in accordance with the promise that has been set. The provision of credit on the basis of trust, while underlying the belief, namely the banks' belief that borrowers have positive and cooperative morals, character and personal traits. Furthermore, she has a responsibility, both in private life as a human being, as a lifelong member of the community, and in the business world. Character is domination...... middle of paper ...... be obliged with the contract stipulated that the capital provided by ASB will be based on the Musharakah project and will be used to develop the property as mentioned in the contract and not for any other purpose.IV. Due to the company's experience in project management, KBL is responsible for all aspects of operation until the end of the project. The bank (ASB) may appoint a council of representatives to monitor and evaluate the progress of the project as well as the financing.V. The profit from this project will be shared by both parties, i.e. 40% for the bank (ASB) and 60% for KBL, as agreed in the Musharakah contract.VI. The losses of this project will be borne by both parties based on the capital contribution from the beginning. But if losses are caused by the negligence of one party, the negligent party must be responsible for all losses incurred in connection with the project..