Strategi Penyelesaian Pembiayaan Murabahah Bermasalah di Koperasi Simpan Pinjam dan Pembiayaan Syariah Bina Insan Mandiri (KSPPS BIM) Gondangrejo Karanganyar

Nasrullah, Muhammad and -, Drs. Imron Rosyadi, M.Ag. (2017) Strategi Penyelesaian Pembiayaan Murabahah Bermasalah di Koperasi Simpan Pinjam dan Pembiayaan Syariah Bina Insan Mandiri (KSPPS BIM) Gondangrejo Karanganyar. Skripsi thesis, Universitas Muhammadiyah Surakarta.

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Abstract

Settlement Strategy Murabahah Financing Problem in Cooperative Syari’ah Financial Service Bina Insan Mandiri The problems studied in this research are (1) what are the factors that cause financing problem in KSPPS Bina Insan Mandiri, (2) What strategies are used by KSPPS Bina Insan Mandiri to solving financing problem, (3) any effort which is implemented by KSPPS Bina Insan Mandiri in tackling problematic financing. Therefore, the purpose of this research is (1) to know the factors that cause financing problematic in KSPPS Bina Insan Mandiri, (2) to know the strategy done by KSPPS Bina Insan Mandiri in solving problem financing, and (3) efforts made by KSPPS Bina Insan Mandiri parties in tackling problematic financing to prevent it from happening again. To achieve that goal, the researcher uses the type of research that is field research by using data collection method by interview, questionnaire, and documentation. Primary source data is derived from KSPPS Bina Insan Mandiri and KSPPS Bina Insan Mandiri financing customer. The data analysis is done by using descriptive evaluative method. From the result of the research, it found that the problematic financing factor is (1) the business condition of the declining customer, (2) much debt in other places, (3) the existence of bad faith, (4) the delay of the customer's business colleague in transferring the money, (5) not good at managing their business, (6) government policies, (7) natural disasters, (8) delays in payments, (9) lack of care in financing, (10) not checking customer files maximally and not surveying, (11) easy to provide financing, (12) lack of communication with customers. The troubled financing strategy is (1) rescheduling strategy, (2) reconditioning strategy, (3) foreclosure / execution strategy of guarantee. Then the effort to overcome the problem is to (1) properly implement SOP and conduct survey by maximizing the 5C principle, (2) performing adequate task separation, (3) creating a savings account for financing customers, (4) looking forward (5) applying prudential principles, (6) rejecting financing by blacklisted customers, (7) improving service quality, (8) improving employee skills, (9) enhancing internal controls.

Item Type:	Thesis (Skripsi)
Uncontrolled Keywords:	customer, problem financing, strategy, KSPPS Bina Insan Mandiri
Subjects:	B Philosophy (General); Religion > BA Islam > BA12 Hukum Ekonomi Islam L Education > L Education (General)
Divisions:	Fakultas Agama Islam > Hukum Ekonomi Syariah (HES)
Depositing User:	MUHAMMAD NASRULLAH
Date Deposited:	04 Nov 2017 04:11
Last Modified:	05 Oct 2022 03:56
URI:	http://eprints.ums.ac.id/id/eprint/56896

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