Eksplorasi Implementasi Prinsip Character, Capacity, Capital, Collateral, dan Condition Dalam Pembiayaan Murabahah di BPRS Bhakti Sumekar Sumenep
Abstract
The rapid development of the Islamic finance industry does not mean that it does not experience several problems, including financing with murabahah contracts which contain many complex and diverse risks. Risk management is an effort to optimize profits in the Islamic financial industry business and minimize the risk of default for customers. The researcher is interested in researching the application of the 5C principle in murabahah financing at BPRS Bhakti Sumekar Sumenep which aims to find out how the implementation of the 5C principle in murabahah financing at BPRS Bhakti Sumekar Sumenep and what are the factors that cause problematic murabahah financing at BPRS Bhakti Sumekar Sumenep. The research method used by the researcher is descriptive qualitative research with data sourced from primary and secondary data, as well as data collection techniques used in the form of observation, interviews and documentation, while data analysis techniques used are in the form of data reduction, data presentation and conclusion drawing. The application of the 5C principle in murabahah financing at BPRS Bhakti Sumekar Sumenep assesses the seriousness and integrity of the debtor, measures the debtor's business activities and income, measures the amount of capital ownership in business activities, calculates the collateral owned by the customer and looks at and assesses the condition or circumstances of the customer, while the factors that cause problematic murabahah financing at BPRS Bhakti Sumekar Sumenep are in the form of unstable economic conditions, the physical condition of the customer and the factors of business activities are not supportive.
Keywords
References
A. Karim., Adiwarman, Bank Islam Analisis Fiqh Dan Keuangan (Jakarta: Raja Grafindo Persada, 2014)
Abbas, Yas Khudhair, Thaar Umran Mousa, and Forat Sattar Hassoon, ‘Accounting Measurement and Disclosure : The Fair Value Principle and Its Role in Improving the Quality of Accounting Information and Rationalizing Administrative Decisions ( an Applied Study in Al Khaleej Commercial Bank )’, 17.3 (2020), 4522–26
Anjarsari, Dian, ‘Manajemen Bersaing Produk Perbankan Dalam Era Revolusi Industri 4.0 Di BPRS Sarana Prima Mandiri Pamekasan, Skripsi, Program Studi Perbankan Syariah, Fakultas Ekonomi Dan Bisnis Islam, Institut Agama Islam Negeri (IAIN) Madura’, 2020
Arifiandy, Permata, Commercial Bank Management: Manajemen Perbankan Dari Teori Ke Praktik. (Jakarta: PT Raja Grafindo Persada, 2013)
‘BPRS Bhakti Sumekar Sumenep Miliki 31 Kantor Cabang’
Djamil, Fathurrahman, Penerapan Hukum Perjanjian Dalam Transaksi Di Lembaga Keuangan Syariah (Jakarta: Sinar Grafika, 2012)
Dwinda, Sheren Regina, ‘Pemanfaatan Media Sosial Sebagai Sarana Pacaran Jarak Jauh Dalam Mempertahankan Hubungan (Analisis Kasus Pada Mahasiswa/I Jurusan Ilmu Komunikasi, FISIP Universitas Muhammadiyah Malang Angkatan 2015)’, 2019
Farhan Hamim, Rafiqi, Iqbal, ‘Reduction of Excellent Service Strategy in Increasing Customer Loyalty at BPRS Bhakti Sumekar Madya Pamekasan Branch Office’, Masyrif : Jurnal Ekonomi, Bisnis Dan Manajemen, 4.2 (2023), 253–64
Guntara, I Made Adi, and NMAY Griadhi, ‘Penerapan Prinsip 5C Sebagai Upaya Perlindungan Terhadap Bank Didalam Menyalurkan Kredit’, Kertha Semaya: Journal Ilmu Hukum, 7.8 (2019), 1–15
Indriyani, Mujibno, Susi, ‘Analisis Alur Pembiayaan Bermasalah Terhadap Kinerja Keuangan Di BPRS Bhaksi Sumekar Cabang Peragaan’, Jurnal Eksyar (Jurnal Ekonomi Syariah ), 08.01 (2021), 107–25
Ismail, ‘Perbankan Syariah’, Pusat Komunikasi Ekonomi Syariah, 2011, 184
J Moleong, Lexi, ‘Metode Penelitian Kualitatif’ (Bandung: Remaja Rosdakarya, 2004)
Kasmir, Bank Dan Lembaga Keuangan Lainnya (Jakarta: PT Raja Grafindo Persada, 2012)
Khaira Sihotang, Mutiah, and Uswah Hasanah, ‘Islamic Banking Strategy in Facing the New Normal Era During the Covid 19’, Proceeding International Seminar on Islamic Studies, 2.1 (2021), 479–85
Khairunnissa, Jihan, and Abdul Atsar, ‘Daftar Proyeksi Pekerjaan Sebagai Jaminan Fidusia Ditinjau Dari Prinsip 5C Perbankan’, Jurnal Hukum Positum, 4.2 (2019), 68–77
Khoerulloh, Abd Kholik, Universitas Islam, Negeri Sunan, and Gunung Djati, ‘Analysis of Investment Decisions in Sharia Cooperatives : Does Sharia Accounting Standards Affect ? Yadi Janwari’, 12 (2021), 119–40
Mujibno, and Sasi Rohmah Awalia, ‘Marketing Strategy of Sharia Pawn Products in Attracting Customer Interest’, EKSYAR : Jurnal Ekonomi Syari’ah & Bisnis Islam, 9.2 (2022), 93–101
Musnandar, Musnandar, ‘Minat Nasabah Dalam Peminjaman Modal Usaha Di Bank BTN Syariah Dan Bank Mandiri Konvensional Di Kota Parepare (Analisis Perbandingan)’, 2020
Nadia, Sarah, ‘Analisis Penerapan Manajemen Risiko Dalam Upaya Pencegahan Pembiayaan Bermasalah Pada PT. BPRS Hikmah Wakilah Banda Aceh’, 2020
Nugroho, Alvin Wahyu, Nofa Nafirotuzzulfa, and Ika Ajeng Lutfiyanti, ‘Analisis Akad Pembiayaan Murabahah Pada Produk Dan Layanan Pt. Bprs Bhakti Sumekar’, Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 6.2 (2021), 507–17
Nugroho, Rico Setyo, ‘Pemikiran Pendidikan Islam Menurut Kh Ahmad Dahlan’, Jurnal Pendidikan Dasar Dan Sosial Humaniora, 1.4 (2022), 605–12
Puspaningtyas, Anggraeny, and Ahmad Adhi Suprayitno, ‘Pemberdayaan UMKM Untuk Meningkatkan Ekonomi Pasca Pandemi Covid-19 Di Tuban’, Reformasi, 11.2 (2021), 217–25
Rafiqi, Iqbal, and Annisa, ‘Determinants of Profitability of Islamic Commercial Banks in Indonesia With Third-Party Funds As a Moderating Variable’, Assyarikah : Journal of Islamic Economic Business, 4.1 (2023), 75–90
Rafiqi, Iqbal, and Siti Halimah, ‘Analisis Kesehatan Bank Pada Unit Covid-19 Dengan Menggunakan Metode RGEC’, Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 9.204 (2024), 752–89
Rafiqi, Iqbal, Miftahul Ulum, and Moh Helmi Hidayat, ‘Risk Mitigation Strategy in Financing Without Collateral at PT . BPRS Sarana Prima Mandiri Pamekasan’, Journal of Islamic Economics Perspectives, 5.2 (2023), 94–104
Rahman, Holilur, Idha Mujibno, Suhartatik, and Abdullah Muhammady, ‘Determinan Sharia Compliance Dalam Pengumpulan ZIS Melalui Budaya Kencleng’, Masyrif : Jurnal Ekonomi, Bisnis Dan Manajemen, 4.2 (2023), 222–40
Rahmasari, Ailia Nur, and Rofiul Wahyudi, ‘Pengaruh Reputasi Terhadap Loyalitas Nasabah Di Bprs Sukowati Sragen’, Jurnal Ekonomi, Bisnis Dan Manajemen, 1.2 (2021), 145–54
Rifai, Muhammad, Observasi Lapangan Di BPRS Bhakti Sumekar Sumenep, 2023
Umar, Muhammad, Xiangfeng Ji, Nawazish Mirza, and Bushra Naqvi, ‘Carbon Neutrality, Bank Lending, and Credit Risk: Evidence from the Eurozone’, Journal of Environmental Management, 296.March (2021), 113156
DOI: 10.28944/masyrif.v5i1.1754
Refbacks
- There are currently no refbacks.
This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.
