SKRIPSI PBS

ANALISIS EFEKTIVITAS PENANGANAN PEMBIAYAAN DALAM UPAYA MEMINIMALISIR PEMBIAYAAN BERMASALAH PADA KSPPS BMT HIRA TANON

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ABSTRACT Financing is one of the business activities of Islamic banks, and in practice, its distribution is never free from risks, namely the risk of non-performing loans. Efforts that can be made by Islamic banks to minimize the occurrence of problematic financing are to implement financing monitoring. This monitoring of financing is carried out so that irregularities that occur in financing can be identified as early as possible. It is hoped that financing monitoring by Islamic banks can run as optimally as possible so that the implementation can run effectively. Therefore, there is a need for effective monitoring of financing so that later the financing channeled by Islamic banks can return and the amount of non-performing financing will decrease. The objectives of this study are as follows: 1) To find out the implementation of financing management at KSPPS BMT Hira Tanon. 2) To find out the strategies applied in efforts to handle problem financing at KSPPS BMT Hira Tanon. 3) To find out the effectiveness of handling problem financing at KSPPS BMT Hira Tanon. This study used a qualitative approach with field research, in which data were obtained through interviews, observation, and documentation. The collected data were then analyzed using the Miles and Huberman model through three stages: data reduction, data display, and drawing conclusions or verification. The results of this study indicate that: 1) Implementation of financing management at KSPPS BMT Hira Tanon consist of procedures for providing financing including filing files, document verification and 5C+1S analysis, surveys, financing committee meetings and disbursement off financing and implementing financing risk management. 2) Implementation of handling problem financing at KSPPS BMT Hira Tanon consisting of indirect monitoring, direct monitoring, monitoring with an emphasis on the enforcement of warning letters (SP), and auction guarantees. 3) Effectiveness of handling problematic financing carried out by KSPPS BMT Hira in an effort to minimize financing problem has not been running effectively. This is because the NPF value owned in the period 2019 to 2021 has increased. Keywords: Management, Handling, Effectiveness, Monitoring of Troubled Financing, KSPPS BMT Hira.

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Ketersediaan

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Informasi Detail

Judul Seri

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No. Panggil

2X6.1 DET a 23

Penerbit

SUKOHARJO : Perbankan Syariah_UIN RM Said., 2023

Deskripsi Fisik

21 cm, 116 halaman

Bahasa

Indonesia

ISBN/ISSN

-

Klasifikasi

2X6.1

Tipe Isi

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Tipe Media

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Tipe Pembawa

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Edisi

-

Subjek

Perbankan Syariah

Info Detail Spesifik

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Pernyataan Tanggungjawab

Detya Agustina

Versi lain/terkait

Lampiran Berkas

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