Analisis Kelayakan Pada Pembiayaan Murabahah di BMT Maslahah Kantor Cabang Wagir
| Main Authors: | Adhom, Ahmad Syaiqullah, Kusuma, Guntur, Azam, Ilyas Nurul |
|---|---|
| Format: | Article info application/pdf eJournal |
| Bahasa: | eng |
| Terbitan: |
Sekolah Tinggi Agama Islam At-Tahdzib Ngoro Jombang
, 2023
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| Subjects: | |
| Online Access: |
https://ejournal.staiat-tahdzib.ac.id/j-mabes/article/view/339 https://ejournal.staiat-tahdzib.ac.id/j-mabes/article/view/339/249 |
Daftar Isi:
- Based on findings in the field, the Account Officer Analysis of BMT Maslahah Wagir Branch has not used the 5C principle (character, capacity, capital, collateral, condition) in analyzing the feasibility of murabahah financing, but only uses two principles, namely character and customer ability, so that if these two principles have been fulfilled then the other three principles will follow these two principles. However, in implementing installments, there are customers who are fluent in payments and there are customers who are late in the payment process. The purpose of the study was to determine the feasibility process of murabahah financing at BMT Maslahah, Wagir Branch. The method used is a qualitative method with a descriptive approach. This research was conducted at BMT Maslahah Wagir Branch. The results show that the feasibility analysis of the financing proposed by the customer will be analyzed by the BMT Maslahah Wagir Branch using the 5C principle (Character, Capacity, Collateral, Capital, Condition). In addition, the strategy in analyzing financing applies various things, such as taking a personal approach to prospective customers in a communicative manner and conducting interviews by preparing various required documents.
- Tujuan penelitian untuk mengetahui proses kelayakan pembiayaan murabahah di BMT Maslahah Cabang Wagir. Adapun metode yang digunakan adalah metode kualitatif dengan pendekatan deskriptif. Penelitian ini dilakukan di BMT Maslahah Cabang Wagir. Hasil penelitian menunjukkan bahwa analisis pembiayaan yang diajukan nasabah akan dianalisa kelayakannya oleh pihak BMT Maslahah Cabang Wagir dengan menggunakan prinsip 5C (Character, Capacity, Collateral, Capital, Condition). Selain itu, strategi dalam menganalisis pembiayaan menerapkan berbagai hal, seperti melakukan pendekatan personal kepada calon nasabah secara komunikatif dan melakukan interview dengan menyiapkan berbagai dokumen yang dibutuhkan.