This study aims to analyze the juridical review of the prudential principles of banks
in unsecured credit agreements in commercial bank. Unsecured credit is a product
that offers loans without requiring physical collateral, thus potentially increasing
the risk of bad credit. Therefore, the formulation of this research problem is how
the form of the bank's prudential principles in an unsecured credit agreement. The
method used in this research is a normative approach, with data collection through
document analysis. The results show that the application of the prudential principle
goes through several steps, namely by conducting a thorough analysis of the
character and ability of the debtor and verifying accurate data. Nevertheless, there
are still challenges in its implementation. This study concludes that the Bank's
prudential principles can be realized in an unsecured credit agreement through the
(5C) (Character), (Capital), (Capacity), (Collateral), (Condition of Economic)
assessment of prospective customers with document analysis, interviews and
inclusion of pay slips. This is done so that the Bank has confidence based on in-
depth analysis of the ability and ability of debtor customers to repay their debts for
the realization of the Bank's prudential principles.