Elysia, Devi Anthea (2021) Prosedur Pemberian Pembiayaan Mikro pada PT Bank Syariah Indonesia (Persero) Tbk Kantor Cabang Dompu. Diploma thesis, Universitas Hayam Wuruk Perbanas Surabaya.
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Abstract
The purpose of this study is to find out and understand how the procedure for providing microfinance at PT Bank Syariah Indonesia (Persero) Tbk microfinance, microfinance is a business financing product that is intended for medium-sized people who have small (micro) businesses to be used as additional capital such as people who have businesses. . Data analysis method used qualitative analysis method as a research method that describes descriptively about the procedure for providing financing at PT Bank Syariah Indonesia (Persero) Tbk. The results of the study are that PT Bank Syariah Indonesia (Persero) Tbk has distributed financing in accordance with the provisions and procedures that have been set, starting from the introduction and approach to prospective debtors, the financing application stage, data identification, after identifying the data by the financing department, it can be retrieved consider continuing or rejecting. Considering to continue should be continued or rejected. If you are considering continuing, you must complete the data, conduct interviews and the finance department collects the necessary information from customers. After the interview, and the financing department conducts a direct review of the debtor. After that, the financing section analyzes the debtor whether the financing to be given is approved or not. If approved, the prospective debtor will be given a financing approval letter, then make a financing agreement and binding collateral/guarantee. If it is not approved, then the financing department makes a rejection letter and the required documents are returned to the customer. To avoid the risks that occur from the financing provided by PT Bank Syariah Indonesia (Persero) Tbk, they carry out supervision starting from requests for financing for data collection, field surveys, making feasibility studies, credit committees, credit realization, credit administration to financing repayments. The purpose of the procedure for providing financing is to ensure the feasibility of a financing, so at each stage an in-depth assessment is always carried out Keywords: Procedure for Providing Financing, Microfinance
| Item Type: | Thesis (Diploma) |
|---|---|
| Subjects: | 300 - SOCIAL SCIENCE > 330 - 339 ECONOMICS > 332 - FINANCIAL ECONOMICS > 332.12 - BANKS & BANKING |
| Divisions: | Finance and Banking Diploma > Practice Working Report |
| Depositing User: | DEVI ANTHEA ELYSIA |
| Date Deposited: | 11 Nov 2021 04:16 |
| Last Modified: | 11 Nov 2021 04:16 |
| URI: | http://eprints.perbanas.ac.id/id/eprint/8191 |
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