Prosedur Pemberian Pembiayaan Tanpa Agunan di BTPN Syariah Surabaya
Abstract
In the last five years BTPN Syariah has continuded to show progress, from year to year the assets of BTPN Syariah have continued to grow accompanied by in increase in distribused financing. Nevertheless, the existing NPF indicates that the soundness level of BTPN Syariah is Collateral-free financing. Therefore, the purpose of this study is to know and understand what kind of procedures are carrier out for collateral-free financing and the financing system. The method used in this research is descriptive qualitative method wiht type of field research (field research), the research technique used is observation and in-depth interviews. The results of the study show that some of the provisions imposed by btpn Syariah can minimizw problematic financing, such as mandatory central meetings, group member selection, and also a group financing system.
References
Buku
Adiwarna A, Karim. (2013). Bank Islam Analisi Fiqih dan Keuangan. Jakarta: Rajawali Press
Bastian, Indra. 2006. Akuntan Sektor Publik: suatu pengantar. Jakarta: Erlangga
Iska, S. (2012). Sistem Perbankan Syariah Di Indonesia. Yogyakarta: Fajar Media Press
Muljono, Djoko.2015. Buku Pintar Akuntansi Perbankan dan Lembaga Keunangan Syariah, (Yogyakarta: Andi Offset,), h 307
Mulyadi. (2013). Sistem Akuntansi. Edisi Ketiga Cetakan keempat. Jakarta: Salemba Empat.
Susilo, Edi. 2017. Analisi Pembiayaan dan Risiko Perbankan Syariah. Yogyakarta: pustaka pelajar
Tim Penyusun Kamus Pusat Pembinaan dan Pengembangan Bahasa, Kamus Besar Bahasa Indonesia, Balai Pustaka, Jakarta, 1989, hlm. 384
Undang-Undang No. 21 Tahun 2008 Bab 1 pasal 1 Tentang Perbankan Syariah
Undang-Undang Republik Indonesia Nomor 21 Tahun 2008 Tentang Perbankan Syariah
Veithzal Rival dan Arifin .2010. Islamic Banking sebuah teori, konsep & aplikasi, Jakarta:bumi aksara hal 681
Yakub. (2012). Pengantar Sistem Informasi. Yogyakarta: Graha Ilmu
Tesis
Pramana, A. A. (2017), “Analisa Pembiayaan Murabahah Bil Wakalah Dalam Meningkatkan Produktifitas Dan Kesejahteraan Nasabah Di UJKS KSU Jabal Rahma. Surabaya: Universitas Islam Negeri Sunan Ampel Surabaya: Fakultas Ekonomi dan Bisnis Islam.
Internet
Anual Report BTPN Syariah 2021
https://sikapiuangmu.ojk.go.id/FrontEnd/CMS/Article/40696, di akses pada Rabu 18 Januari 2023
Noval. (2022, Desember 19). Wawancara Pribadi
Copyright (c) 2023 Yunita Kusmanningruma, Rinda Tri Wahyuni, Salasiah
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.