Jannah, Nur (2015) Analisis sistem pembiayaan KPRS berdasarkan akad murabahah pada PT Bank Muamalat Indonesia Tbk Cabang Malang. Undergraduate thesis, Universitas Islam Negeri Maulana Malik Ibrahim.
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Abstract
INDONESIA:
Tujuan dari penelitian ini adalah menganalisis sistem pembiayaan KPRS berdasarkan akad murabahah yang diterapkan pada Bank Muamalat, khususnya pada sistem pemberian pembiayaan, pembayaran angsuran, dan penanganan pembiayaan bermasalah. Penelitian ini bertujuan untuk membandingkan teori para ahli dengan aplikasi pelaksanaan pada Bank Muamalat.
Penelitian ini menggunakan pendekatan deskriptif kualitatif. Tujuannya untuk menggambarkan secara jelas, lengkap, dan sistematis tentang fokus penelitian prosedur pemberian pembiayaan, penerimaan angsuran, dan penanganan pembiayaan bermasalah. Subyek penelitian adalah karyawan Bank Muamalat bagian marketing pembiayaan KPRS. Penelitian ini dilakukan selama dua bulan. Data yang digunakan oleh peneliti adalah data primer, dan sekunder. Penelitian dilakukan dengan cara observasi, wawancara, serta dokumentasi. Kemudian peneliti melakukan pencatatan, menganalisis, menyimpulkan hasil penelitian, dan memberikan rekomendasi.
Hasil penelitian menunjukkan bahwa sistem pembiayaan KPRS berdasarkan akad murabahah sudah berjalan cukup baik. Namun ada beberapa perbaikan yang harus dilakukan, diantaranya penyesuaian pada struktur organisasi dengan job description masing – masing bagian Relationship Manager Remidial, bagian personalia, bagian operasional pembiayaan, dan bagian umum yang semestinya digambarkan secara jelas posisinya dalam struktur organisasi dan bisa dijadikan evaluasi agar implementasi sistem pembiayaan dan prosedurnya dapat berjalan lebih baik lagi.
ENGLISH:
The purpose of this research is to analyze the murabaha-based KPRS financing system implemented in Muamalat Bank, especially in the financing grant system, the installments payment, and the management of bad debt credit. This study aims to compare the experts’ theories with their implementation in Bank Muamalat.
This research uses descriptive qualitative approach to describe clearly, completely, and systematically about the focus of the research procedures on financing grant system, the installments payment, and the management of bad debt credit. Research subjects are the staffs of KPRS financial payment marketing division of Bank Muamalat. This research is conducted for two months. The data for the research consists of primary and secondary data. The research is done by observation, interview, and documentation. Then the researcher takes notes, analyses, concludes the result and proposes recommendation.
The result shows that the murabaha-based KPRS financing system has run quite well. However, several aspects need improvement, such as the adjustment of the organization structure as well as its job description in the division of Relationship Manager Remedial, human resource development, financing operational, and general division. The job description needs to give a clear explanation on their position in the organization structure and it needs to be evaluated in order to improve the implementation of financing system and its procedures.
Item Type: | Thesis (Undergraduate) | ||||||
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Supervisor: | Djalaluddin, Ahmad | ||||||
Contributors: |
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Keywords: | KPRS financing system, Murabaha agreement; PT. Bank Muamalat Indonesia Malang; descriptive qualitative; Sistem Pembiayaan KPRS; Berdasarkan Akad Murabahah; PT Bank Muamalat Indonesia Tbk Cabang Malang; Deskriptif Kualitatif; | ||||||
Subjects: | 15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1501 Accounting, Auditing and Accountability > 150115 Sharia Accounting | ||||||
Departement: | Fakultas Ekonomi > Jurusan Akuntansi | ||||||
Location: | 150115 | ||||||
Depositing User: | Annas Al-haq | ||||||
Date Deposited: | 29 Sep 2015 15:54 | ||||||
Last Modified: | 29 Sep 2015 15:54 | ||||||
URI: | http://etheses.uin-malang.ac.id/id/eprint/2287 |
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