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Journal : As-Syirkah: Islamic Economic

Analisis Sistem Penyaluran Kredit pada PT. Lembaga Keuangan Mikro (LKM) Laita Shopia; Tina Kartini; Venita Sofiani
As-Syirkah: Islamic Economic & Financial Journal Vol. 3 No. 4 (2024): As-Syirkah: Islamic Economic & Financial JournalĀ 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/x0kw5744

Abstract

This study aims to determine: (1) Credit distribution procedures at PT. LKM Sukabumi Cidadap Branch, (2) a way to overcome the occurrence of bad loans at PT. LKM Sukabumi Cidadap Branch, (3) Constraints and obstacles in implementing a credit distribution system at PT. LKM Sukabumi Cidadap Branch. The method used in this study is descriptive qualitative. Data collection in this study uses data collection techniques with interviews, observations, and documentation. The data is analyzed and described in descriptive form. This research is a field research, which is research conducted at certain locations selected to observe objective symptoms in accordance with what occurs at the location. The results showed that: (1) Credit distribution procedures at PT. LKM Sukabumi Cidadap Branch is in accordance with the provisions of the procedure owned, (2) How to Overcome the occurrence of bad loans at PT. LKM Sukabumi Cidadap Branch is to reschedule, remove books, and delete bills, (3) Constraints and obstacles in implementing a credit distribution system to PT. LKM Sukabumi Cidadap Branch includes false information provided by prospective debtors, and incomplete requirements in applying for credit.