ANALISIS SISTEM PEMBERIAN PEMBIAYAAN USAHA KECIL MENENGAH (UKM) PADA BNI CABANG SYARI’AH MALANG (Studi pada PT.BNI Persero Tbk. Cabang Syari’ah Malang)
| Main Author: | LESTARI, NOVI PUJI |
|---|---|
| Format: | Thesis NonPeerReviewed Book |
| Bahasa: | eng |
| Terbitan: |
, 2008
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| Subjects: | |
| Online Access: |
http://eprints.umm.ac.id/2697/1/p.pdf http://eprints.umm.ac.id/2697/ |
Daftar Isi:
- This research was descriptive research to PT.BNI Persero Tbk Syari’ah Malang Branch titled “Analysis of Small-Medium Business Unit Defrayal System”. The research aimed to find out and analyzed defrayal to Small-Medium Business Unit at PT.BNI Persero Tbk Syari’ah Malang Branch. Analysis technique used in this research was qualitative including character, capacity, capital, collateral and condition, party, personality, purpose, prospect, payment, profitability, protection, repayment, risk bearing ability and return. The result create Small-Medium Business Unit criterions which were agreed in defrayal and Small-Medium Business Unit which were not agreed in their defrayal. Small-Medium Business Unit agreed in defrayal was Small-Medium Business Unit which has > 2 years business, not business in Indonesian Bank’s black list. The Small-Medium Business Unit was in flow group, business which was not prohibited by Islamic rule whether in operational or economic, financial performance showed healthy level or well, Small-Medium Business Unit fulfilled the minimum standard of defrayal by bank, legality and guarantee was fit with the condition, while what was not agreed the defrayal was an opposite of the criterions. According to above analysis, there could be concluded that basically 5C analysis used by bank to analyze whether the Small-Medium Business Unit worth or not to accept the defrayal. Financial ratio also could be used to state the defrayal.