SKRIPSI PBS

Analisis Penerapan Manajemen Risiko Pembiayaan Sektor Pertanian pada KSPPS BMT Karimah Mandiri Polokarto

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ABSTRACT

This study aims to determine the mechanism, types of risks, and application
of risk management financing in the agricultural sector study at KSPPS BMT
Karimah Mandiri Polokarto. The research method used qualitatively with the
number of informants as many as 4 people consisting of 2 BMT employees and 2
farmers who carried out agricultural financing. This type of research is field
research, all data are collected based on observation, interviews and
documentation. The results of the study found that there are 6 stages in applying
for agricultural sector financing, namely: First, the application for financing by
prospective financing members. Second, the data verification process. Third,
analysis. Fourth, decision making. Fifth, binding and disbursement of funds. Sixth,
refund by financing members and monitoring by KSPPS. The risk of financing the
agricultural sector that is often in the BMT Karimah Mandiri KSPPS is the
financing risk. There are two risks, namely internal risk and external risk. Internal
risks: lack of quality HR and employees not complying with SOPs. External risks:
crop failure, member negligence, unstable production selling prices and natural
disasters. The implementation of financing risk management at KSPPS BMT
Karimah Mandiri uses methods such as risk identification, risk measurement, risk
monitoring, and risk control. In addition, KSPPS BMT Karimah Mandiri also
applies the 5C + 1F principle consisting of: Charater, Capital, Capacity,
Collateral, Condition of Economy and Feeling. Meanwhile, in an effort to overcome
problematic financing that occurs, KSPPS BMT Karimah Mandiri uses a family
approach and solutions for rescheduling, reconditioning, and confiscation of
guarantees.

Keywords: Agricultural Sharia Financing, Financing Risk, KSPPS Risk
Management

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Ketersediaan

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Informasi Detail

Judul Seri

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No. Panggil

2X6.1 IKA a 24

Penerbit

SUKOHARJO : Perbankan Syariah_UIN RM Said., 2024

Deskripsi Fisik

21 cm, 98 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

Ika Dina Rofika

Versi lain/terkait

Lampiran Berkas

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