Damisa, Arti
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PROSES PENYELAMATAN DAN PENYELESAIAN PEMBIAYAAN BERMASALAH DENGAN ANALISIS JAMINAN (Studi Kasus di PT Bank Syariah Mandiri Cabang Padangsidimpuan) Damisa, Arti
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 4, No 1 (2018): Juni 2018, 10 Articles, Pages 1 - 138
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (443.653 KB) | DOI: 10.24952/tijaroh.v4i1.1089

Abstract

Abstrak,Pembiayaan untuk pengusaha mikro di PT Bank Syariah Mandiri Cabang Padangsidimpuan adalah pembiayaan dengan akad murabahah. Nasabah pembiayaan murabahah merupakan pengusaha mikro yang sewaktu-waktu tidak dapat melunasi kewajiban dengan alasan tertentu. Tujuan penelitian ini untuk mengetahui cara penyelamatan dan penyelesaian pembiayaan bermasalah dengan analisa jaminan di PT Bank Syariah Mandiri Cabang Padangsidimpuan. Penelitian ini menggunakan jenis penelitian kualitatif dengan pendekatan deskriptif. Adapun teknik pengumpulan data dalam penelitian ini melalui wawancara, observasi dan dokumentasi. Berdasarkan hasil penelitian yang dilakukan di lapangan, menunjukkan bahwa proses penyelamatan dan penyelesaian pembiayaan bermasalah dengan analisis jaminan pada PT Bank Syariah Mandiri Cabang Padangsidimpuan diselesaikan dengan 2 (dua) tahapan. Pertama, apabila nasabah sudah masuk pada kategori kolektibilitas empat dan lima, maka PT Bank Syariah Mandiri Cabang Padangsidimpuan akan memberikan surat pemberitahuan I, II dan III. Kedua, apabila tidak ada konfirmasi setelah surat pemberitahuan III, maka nasabah akan berurusan langsung dengan Account Maintenance. Walaupun sudah dinilai bermasalah, PT Bank Syariah Mandiri Cabang Padangsidimpuan tidak langsung melelang jaminan begitu saja. PT Bank Syariah Mandiri Cabang Padangsidimpuan masih memberikan kelonggaran waktu kepada nasabah untuk menjual sendiri jaminannya sebelum dilelang oleh bank. Kata kunci: Penyelamatan, Penyelesaian, Pembiayaan Bermasalah, Murabahah Abstract,Financing for micro entrepreneurs in PT Bank Syariah Mandiri Padangsidimpuan Branch is financing with a murabahah contract. Murabahah financing customers are micro entrepreneurs who cannot pay their obligations at any time. The purpose of this research is to find out how to save and settle problem financing with guarantee analysis at PT Bank Syariah Mandiri Padangsidimpuan Branch. This study uses qualitative research with a descriptive approach. This study obtained data using secondary data by reviewing books that became reference sources and primary data from the informants of PT Bank Syariah Mandiri Padangsidimpuan Branch in accordance with the title of the researcher. The data collection techniques in this study through interviews, observation and documentation. Based on the results of research conducted in the field, shows that the process of rescue and completion of financing problems with the analysis of guarantees at PT Bank Syariah Mandiri Padangsidimpuan Branch completed with 2 (two) stages. First, if the customer has entered the four. Second, if there is no confirmation after notification letter III, the customer will deal directly with Account Maintenance.  and five collectibility categories, then the PT Bank Syariah Mandiri Padangsidimpuan Branch will provide notification letters I, II and III. Although it has been considered problematic, PT Bank Syariah Mandiri Padangsidimpuan Branch did not immediately auction guarantees. PT Bank Syariah Mandiri Branch of Padangsidimpuan still gives customers time to sell their own guarantees before being auctioned by the bank. Keywords: Rescue, Settlement, Problem Financing, Murabahah
Asuransi Dalam Perspektif Syariah Damisa, Arti
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 2, No 2 (2016): Desember 2016, 10 Articles, Pages 116 - 285
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v2i2.795

Abstract

Takaful should be based on three principles: the principle of responsible, the principle of mutual help and work together, as well as the principle of protecting each other. Thus, al-ta'min or takaful seen from the perspective of mutual understanding muamalah sharia have to bear the risks against each other, so that one another guarantor and risk of loss. The third principle is basically his form of worship that is tabarru. Mutual bear the risk on the basis of helping each other in goodness with the way each cleanup tabarru or worship funds intended to cover these risks. Willingness "to bear" the risk is essentially a form of mutual help on the basis of kindness to alleviate the suffering of his brother who suffered. In the context of the lives of citizens who provide mutual aid and protection, will manifest a stable social life and peace as the realization of people's awareness to do good that is based on values of faith in God.