MANAJEMEN RISIKO PEMBIAYAAN IJARAH TERHADAP PENGEMBALIAN PEMBIAYAAN NASABAH (Studi Kasus : BMT Dana Mentari Muhammadiyah Pasar Pon)

Puput, Wulansari (2019) MANAJEMEN RISIKO PEMBIAYAAN IJARAH TERHADAP PENGEMBALIAN PEMBIAYAAN NASABAH (Studi Kasus : BMT Dana Mentari Muhammadiyah Pasar Pon). Skripsi thesis, IAIN Purwokerto.

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Abstract

This research was conducted at BMT Dana Mentari Muhammadiyah Pasar Pon with the aim to find out the implementation of Ijarah financing risk management carried out by BMT Dana Mentari Muhammadiyah Pasar Pon and to determine the application of Ijarah financing risk management to the Ijarah Funding Return rate at BMT Dana Mentari Muhammadiyah Pasar Pon. The method used in this study is a qualitative research method with the type of field research. Data collection techniques used in this study were by interview, documentation, and observation. The results showed that the risks arising from Ijarah financing generally include market risk, credit risk, liquidity risk, and operational risk. Whereas specifically the risk of ijarah financing includes: Incorrect prediction of customer character, Financing of Customer Financing, Unable to access Bi Checking, Appresial Value of Collateral, and Decline in Selling Price of Automotive Collateral. The risk management process undertaken by BMT Dana Mentari Muhammadiyah Pasar Pon is by conducting risk identification that starts from the submission of customer financing, risk measurement, risk monitoring, and risk control. The rate of return of Ijarah Financing at BMT Dana Mentari Muhammadiyah Pasar Pon cannot be said to be good or is said to be unfavorable because the average ratio of ijarah financing returns has not reached the minimum requirements set by Bank Indonesia Regulation Number 7/2 / PBI / 2007 which explains that current credit said to be good with a minimum requirement of 95%, while the average ratio of Ijarah financing returns at BMT Dana Mentari Muhammadiyah Pasar Pon is 85.62%.

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