SKRIPSI PBS

Analisis Penilaian Kspps Bmt Ahmad Dahlan Klaten Terhadap Nasabah Umkm Yang Mengajukan Pembiayaan Di Era Covid-19

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ABSTRACT

This study aims to determine the financing assessment process for MSME
customers who apply for financing during the Covid-19 pandemic at KSPPS BMT
AHMAD DAHLAN KLATEN. This research uses case study methods and data
collection techniques using observation, interviews and documentation techniques.
The results of the study show that the financing assessment process at
KSPPS BMT AHMAD DAHLAN KLATEN during the Covid-19 pandemic uses
the 5C principle, namely the assessment of member character, ability in
installments, capital, business conditions, and guarantees. In the financing
assessment process during the Covid-19 Pandemic, the difference only lies in the
results of the assessment of the ability to pay in installments because during the
Covid-19 pandemic, MSME income has decreased and the ability to pay in
installments has also decreased. In addition, during the Covid-19 pandemic, the
financing assessment at KSPPS BMT AHMAD DAHLAN KLATEN must be in
more detail, especially in the assessment of business conditions whether during the
Covid-19 pandemic there are still business opportunities or not. there is no business
opportunity, the business will not run, the financing application is not acc. In
addition to using the 5C principle in KSPPS BMT AHMAD DAHLAN KLATEN,
there are also other factors that are taken into consideration in the financing
assessment, namely the sharia aspect and the business barrier factor.
In addition, the results of this study also show that if in the process of
evaluating the financing submitted by members there are one or two 5C financing
assessment criteria that are not met, then the KSPPS BMT AHMAD DAHLAN
KLATEN will provide solutions such as additional guarantees or extended
installments as long as they are still in office regulations. KSPPS BMT AHMAD
DAHLAN KLATEN. However, if the character assessment is not good and all 5C
assessments are not good, the member's financing application will be rejected or
not acceded by KSPPS BMT AHMAD DAHLAN KLATEN.
Keywords: MSME Financing Assessment During the Covid-19 Pandemic

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Ketersediaan

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Informasi Detail

Judul Seri

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No. Panggil

2X6.1 DWI a 22

Penerbit

SUKOHARJO : Perbankan Syariah_UIN RM Said., 2022

Deskripsi Fisik

21 cm, 157 halaman

Bahasa

Indonesia

ISBN/ISSN

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Klasifikasi

2X6.1

Tipe Isi

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Tipe Media

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Tipe Pembawa

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Edisi

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Subjek

Perbankan Syariah

Info Detail Spesifik

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Pernyataan Tanggungjawab

Dwi Wulandari

Versi lain/terkait

Lampiran Berkas

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