ANALISIS PROSEDUR DAN PENENTUAN NISBAH BAGI HASIL PEMBIAYAAN MUDHARABAH PADA BMT MANARUL ISLAM MALANG

Cholifah, Nur (2010) ANALISIS PROSEDUR DAN PENENTUAN NISBAH BAGI HASIL PEMBIAYAAN MUDHARABAH PADA BMT MANARUL ISLAM MALANG. Other thesis, University of Muhammadiyah Malang.

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ANALISIS_PROSEDUR_DAN_PENENTUAN_NISBAH_BAGI_HASIL_PEMBIAYAAN_MUDHARABAH_PADA_BMT_MANARUL_ISLAM_MALANG.pdf

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Abstract

The objective of this research is to exposure the procedure and determination profit sharing ratio for financing of mudharabah is applied in BMT Manarul Islam. The data analysis technique in this research is descriptive qualitative that exposure the procedure and determination profit sharing ratio for financing of mudharabah is applied in BMT Manarul Islam. Results showed the procedure for financing of mudharabah in BMT Manarul Islam are: the filling of financing, data collection and investigation, financing analysis, approvals, binding, withdrawal and monitoring. At the filling of financing stage, the prospective costumer filled the financing by orally or in writing to BMT. Data collection and investigations carried out BMT with interview and observation to the location of business customers. Financing analysis performed by the principle of 5C, if the results analysis of customers business is prospective, the financing will be approved. Afterwards is binding, both financing binding and collateral binding. Then do the withdrawal, and the last monitoring customers business. For the financing analysis, BMT Manarul Islam using the principles of 5C, there are: character, capacity, capital, condition, and collateral. The main aspects in financing analysis is aspect of collateral. For the aspect of character, BMT requires the prospective customer is a resident Sawojajar and have good character. For the aspect of capacity, the prospective customer must have the capability of doing business. For the aspects of capital, the prospective costumer must have own capital and the financing used to develop the business. has used its own capital and financing to develop the business. While for the aspects of condition, around condition that affects the costumers business must be well. Determination of profit sharing is obtained from both parties, the applicable ratio is usually between 60:40 until 80:20. The method used is profit sharing, so that has been distributed is a business profit. When the costumer give the profit sharing, not based the financial record, but only based the narrative of customers. At the beginning of the contract is not determined any cost that recognized, so that realization the profit distributed is a net gain customers after minus all cost. Based on the results, it can be concluded in general, both in procedure and the determination of profit sharing that applicable in BMT Manarul Islam is match with applicable in another sharia financial institution. Only, there are still some deficiencies in its application.

Item Type: Thesis (Other)
Subjects: H Social Sciences > HB Economic Theory
Divisions: Faculty of Economic > Department of Accounting
Depositing User: Rayi Tegar Pamungkas
Date Deposited: 10 Apr 2012 02:37
Last Modified: 10 Apr 2012 02:37
URI: http://eprints.umm.ac.id/id/eprint/1987

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