Daftar Isi: ANALISIS PEMBERIAN PEMBIAYAAN MUDHARABAH (Studi Kasus Pada Bank Pembiayaan Rakyat Syariah (BPRS) Bhakti-Sumekar Sumenep)

Daftar Isi:

This research is a case study conducted in PT. BPRS Bhakti Sumekar Sumenep which is entitled "Financial Statement Analysis in Financing the BPRS Bhakti-Sumekar Sumenep". The purpose of this research is to determine what factors that affect the assessment of financing. This research is expected to be considered as an analytical assessment of the provision of financing to debtors (customers). This research used descriptive techniques as data analysis techniques, which have these several procedures: observing the extent of the feasibility of financing and the accountability on the customers prospective. The BPRS assessed these criteria by using 5C analysis that are; Character, Capital, Capacity, Collateral, and Condition. From this study it can be concluded that the factors that influence the assessment of financing in BPRS Bhakti-4C Sumekar tend to use Character, Capacity, Capital, and Condition. The collateral factor only applied when the debtor had difficulty in paying installments. From the calculation of the ratio in the analysis of capital, financial statement is very important because it shows the company's true financial condition. By looking at the ratio analysis the Bank may approve requests debtor financing.