Annisa, Nur Anninda (2019) IMPLEMENTASI PRINSIP 5C PADA PEMBIAYAAN MIKRO DALAM MEMINIMALISIR RESIKO PEMBIAYAAN BERMASALAH DI BSM KCP KALIURANG YOGYAKARTA. Diploma thesis, IAIN Purwokerto.
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Abstract
Bank Syariah Mandiri KCP Kaliurang Yogyakarta is a bank with a low level of problem financing or NPF (Net Performing Finance) which is equal to 0%. To reduce the risk of financing problematic, the bank always conducts a feasibility analysis of financing before financing facilities are disbursed, namely by applying the 5C principle which consists of Character, Capacity, Capital, Collateral and Condition. Micro financing is one product that is focused to be distributed by Bank Syariah Mandiri KCP Kaliurang Yogayakrta, with a financing limit of up to Rp 200,000,000, which is intended to finance its business needs through investment, working capital and multipurpose financing. While the contracts used are Murabahah and iIjaroh. This research is a field research using qualitative methods and descriptive analysis. While the object of research is the implementation of the 5C principle in micro financing at Bank Syariah Mandiri KCP Kaliurang Yogyakarta. Researchers go directly to the field to observe interviews and documentation to obtain information and data needed. Based on the results of research and discussions that have been carried out, it can be concluded that the feasibility analysis of micro financing at Bank Syariah Mandiri KCP Kaliurang Yogyakarta has been done well according to existing procedures, by not prioritizing any of the five principles applied, because the bank considers all the principles to be the same -important. And in accepting customers, the bank is very selective given the failure in analyze the feasibility of financing will result in bank performance that is not good. This is really done by the bank, as evidenced by the NPF rate that is always framed at 0%, which means that there is no problem financing . This shows that the application of the 5C principle in minimizing the risk of problematic financing has already achieved the desired results.
Item Type: | Thesis (Diploma) |
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Uncontrolled Keywords: | Microfinance, NPF Level, Implementation of the 5C Principle |
Subjects: | 2x4. Fiqih > 2x4.2 Muamalah > 2x4.24 Persekutuan (Syirkah, Qirad, Mudhorobah, Murabahah, Musaqoh, Muzaroah) 2x4. Fiqih > 2x4.2 Muamalah > 2x4.27 Bank (BMT) |
Divisions: | Fakultas Ekonomi dan Bisnis Islam > Manajemen Perbankan Syariah |
Depositing User: | Aris Administrator Perpustakaan IAIN Purwokerto |
Date Deposited: | 26 Sep 2019 07:46 |
Last Modified: | 26 Sep 2019 07:46 |
URI: | http://repository.uinsaizu.ac.id/id/eprint/6137 |
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