Update Artikelilmiah: 7759

IAS PRAMESTI EKANINGSIH

NIM

Judul Artikel

Abstrak (Bhs. Indonesia)

Penelitian ini berjudul “ANALISIS PENCAIRAN KREDIT USAHA 
RAKYAT DI BANK SYARIAH MANDIRI KCP BANJARNEGARA. Tujuan 
penelitian ini adalah untuk mengetahui prosedur pencairan KUR di Bank Syariah 
Mandiri KCP Banjarnegara danuntuk mengetahui pengaruh usia, lama pinjaman, 
nilai agunan, tingkat pendidikan terhadap pencairan KUR di Bank Syariah 
Mandiri KCP Banjarnegara. Tujuan yang pertama menjelaskan analisis deskriptif 
dari prosedur pencairan KUR sehingga tidak memerlukan hipotesis, sedangkan 
tujuan yang kedua diduga usia, lama pinjaman, nilai agunan dan tingkat 
pendidikan berpengaruh terhadap pencairan KUR di Bank Syariah Mandiri KCP 
Banjarnegara
Berdasarkan hasil Penelitian dan analisis data, prosedur pencairan KUR 
tidak sulit dilakukan oleh calon nasabah, yaitu terlebihdahulu mengisi berkas 
seperti pas foto 4x6, fotokopi KTP suami dan istri (jika sudah menikah),foto kopi 
surat nikah/aktecerai, fotokopi kartu keluarga, surat  keterangan usaha, foto usaha 
dan jaminan (apabila ada), foto kopi mutasi rekening tabungan 6 bulan terakhir, 
rekap pendapatan 3 bulan terakhir. Lalu berdasarkan perhitungan usia 
berpengaruh negatif, sedangkan lama pinjaman, nilai agunan, tingkat pendidikan 
berpengaruh positif terhadap pencairan KUR
Berdasarkan kesimpulan dapat diambil implikasi walaupun prosedur 
pencairan KUR tidak sulit dilakukan namun hendaknya calon nasabah 
menyertakan data yang benar agar tidak terjadi permasalahan dikemudian hari.  
Setelah mengetahui variabel apa saja yang mempengaruhi pencairan KUR 
hendaknya calon nasabah memperhatikan hal-hal tersebut sebelum mengajukan 
permohonan KUR

Abtrak (Bhs. Inggris)

This research entitled “ ANALYSIS OF SMALL LOAN FINANCING 
MANDIRI SHARIA BANK OF BANJARNEGARA BRANCH OFFICE “. The 
purpose of this researchis to find out the procedure of small loan financing in 
Mandiri Sharia Bank of Banjarnegara Branch Office and to find out the influence 
of age, loan period, the value of collateral, and education level on small loan 
financing in Mandiri Sharia Bank of Banjarnegara Branch Office. The first 
purpose explains the descriptive analysis from the procedure of smallloan 
financing, while the second hypothesis are age, loan period, the value of collateral 
and education level variables influence the financing of small loan in Mandiri 
Sharia Bank of Banjarnegara Branch Office
Base on the research result and data analysis the financing procedure of 
small loan is not difficult to be conducted by the prospective customer, that is by 
filling file such as passport photo 4x6, ID card copy of husband and wife (if 
married), copy of disvorce letter, copy of family card, business letter, the pictures 
of business and assurance (if available), copy of bank account mutation for the 
last 6 months, recapitulation of the last 3 months income. Based on regression 
result age variable has negative influence, while loan period, the value of 
collateral and education level positively influence to it.
Based on the conclusion, can be obtained implication that although the 
procedure of small loan financing is not difficult to be conducted, but the 
prospective debitor should be attach to the right data so there won’t be a problem 
in the future after it is also that prospective debitur should to respect on any 
variables before they purposed small loan financing.

Kata kunci

Pembimbing 1

Pembimbing 2

Pembimbing 3

Tahun

Jumlah Halaman