Artikel Ilmiah : C1A008110 a.n. IAS PRAMESTI EKANINGSIH
| NIM | C1A008110 |
|---|---|
| Namamhs | IAS PRAMESTI EKANINGSIH |
| Judul Artikel | ANALISIS PENCAIRAN KREDIT USAHA RAKYAT DI BANK SYARIAH MANDIRI KCP BANJARNEGARA |
| 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 | prosedur, KUR, usia, lama pinjaman, nilai agunan, tingkat pendidikan |
| Pembimbing 1 | Dr. Abdul Aziz Ahmad, SE, M.Si |
| Pembimbing 2 | Drs. Oke Setiarso, M.Si |
| Pembimbing 3 | |
| Tahun | 2014 |
| Jumlah Halaman | 4 |
| Tgl. Entri | (belum diset) |