PENERAPAN PRINSIP KEHATI-HATIAN DALAM PEMBERIAN PEMBIAYAAN BERDASARKAN PRINSIP SYARIAH OLEH KOPERASI JASA KEUANGAN SYARIAH (KJKS) BMT EL-USWAH DHARMASRAYA

Zalnopri Zalnopri

Abstract


The problems in this research are the lack of applying the prudential principles, the many obstacles in the application of financing and the lack of penaganan to overcome the problem of financing. Problem formulation (1) How is the application of prudential principles in the provision of financing by KJKS BMT El-Uswah Dharmasraya? (2) What are the obstacles in applying prudential principles in the provision of financing by KJKS BMT El-Uswah Dharmasraya? (3) How to overcome obstacles to the application of prudential principles in the provision of financing by KJKS BMT El-Uswah Dharmasraya? This research uses sociological juridical type. Source of data, primary data and secondary data. Techniques of collecting interview data and document studies. Data obtained qualitatively. Result of the research, (1) Implementation and application of prudential principle in giving financing to KJKS BMT El-Uswah has applied 5 C principle by doing financing analysis. Furthermore, general policy of finance administration. (2) Obstacles in applying prudential principles in the provision of financing by KJKS BMT El-Uswah are financing with congestion, Not yet or not reaching the target, Customer has difficulties in settling obligations, Financing for customers. (3) How to overcome obstacles, Warning to Customers, Handling Financing Against Customers, Action Revitalization Against Customers and Rescheduling To Customers. The application of prudential principles in the provision of BMJ KJKS financing.

Keywords: Implementation, Principle, Prudence, KJKS BMT.

 


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