ANALISIS PROSEDUR PELAKSANAAN PENGAWASAN PEMBIAYAAN MURABAHAH PADA PT. BANK BRISYARIAH Tbk KCP AHMAD YANI PONTIANAK

Darwanti Measari B51111143

Abstract


This thesis was the result of qualitative research that aimed to answer questions about the procedures for the implementation of supervision on murabahah financing at PT. Bank BRISyariah Sub-Branch Ahmad Yani Pontianak. The research used a descriptive method with a qualitative approach, were it attempted to solve the problem based on existing data and was supported by direct interviews with the staffs of marketing, finance division and the chieft operating officer whose one of the responsibilities was to supervise the financing. The interviews were conducted to explore in-depth information related to the financing problems investigated in this study.

The collected data were analyzed using the qualitative-descriptive method of analysis. These results of the research showed that the procedure for murabahah financing as a way of channeling funds at Bank BRISyariah Sub-Branch Ahmad Yani Pontianak was quite good. It was evidanced by the organizational structure of murabahah financing procedures and terms in the distribution of funds which were based on specific condition. The murabahah financing supervision was conducted by Bank BRISyariah Sub-Branch Ahmad Yani Pontianak in three ways: first, supervision on the customers’obligation/installment payments; secont, reminding customers of installment payments by phone, making visits and sending warning letter; and third, further handling of billing activities such as collecting debt throught collateral sale, guarantee auction and collateral execution.

Keywords : Procedure and Supervision or Murabahah Financing, Non Performing Financing


Refbacks

  • There are currently no refbacks.