Article Per Year (5 Year)
p-Index From 2021 - 2026
3.623
P-Index
This Author published in this journals
All Journal LEGITIMASI: Jurnal Hukum Pidana dan Politik Hukum Dusturiah : Jurnal Hukum Islam, Perundang-undangan dan Pranata Sosial Jurnal Asy-Syari'ah Jurnal Justisia : Jurnal Ilmu Hukum, Perundang-undangan dan Pranata Sosial Journal of Economicate Studies El-Usrah: Jurnal Hukum Keluarga Media Syari'ah: Wahana Kajian Hukum Islam dan Pranata Sosial El-Hadhanah: Indonesian Journal Of Family Law And Islamic Law Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah Tasyri' JURISTA : Jurnal Hukum dan Keadilan Al-Mudharabah
Riadhus Sholihin
UNIVERSITAS ISLAM NEGERI AR-RANIRY, BANDA ACEH
Religion Arts Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

Published : 31 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 31 Documents
Search

 1   2   3   4 
APPLICATION OF PRUDENTIAL BANKING TO ELIGIBILITY FOR THE DISTRIBUTION OF KUR UMKM BSI BRANCH DIPONEGORO BANDA ACEH. STUDY ON TESTING THE INCOME AND PROFITABILITY OF DEBTOR CUSTOMERS' BUSINESSES Adzkia, Khaliza; Mukdin, Khairani; Sholihin, Riadhus
Dusturiyah: Jurnal Hukum Islam, Perundang-undangan dan Pranata Sosial Vol. 14 No. 2 (2024): JURNAL DUSTURIAH
Publisher : Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/dusturiyah.v14i2.25589

Abstract

This research emphasises the importance of testing customer income and profitability in ensuring financing eligibility and supporting the financial stability of banks and the development of MSMEs in Indonesia. This reseacrh aims to ensure that the financing disbursement process is carried out effectively and in accordance with prudential banking principles with legal provisions. This research method is normative empirical. The results of the research showed that the distribution of KUR was in accordance with the mandate of articles 8 and 29 of Law No. 10 of 1998 on Banking and article 23 of Law No. 21 of 2008 on Sharia Banking. This can be seen from the application of KUR distribution at BSI Diponegoro Branch Banda Aceh which is carried out strictly through testing with five main stages, namely BI checking, surveys, business feasibility analysis, analysis of collateral feasibility, the committee process with the leadership and the analysis of MSMEs income and profitability by paying attention to income sources, income stability, sales trends, seasonal patterns, sales targets, profit patterns, bank transaction history and bank transaction frequency.
Co-Authors Ade Faizah Adzkia, Khaliza Ari Rosita Arifin Abdullah Aulia Rahmatullah Bukhari Ali Chairul Fahmi Faizah, Ade Hilman Dermawan Irwansyah Irwansyah Kamaruzzaman Kamaruzzaman Kamaruzzaman Kamaruzzaman, Kamaruzzaman Khadijatul Musanna Khairani Khairani Khairani Mukdin Maula Sari Muhammad Habibi Muhammad Ikram Mukdin, Khairani Munanda Munanda Munanda, Munanda Musanna, Khadijatul Mutiara Fahmi Nasaiy Aziz Nurul Husna Oktavi Maulizar Rahma Rahma Raihan, Ishma Rasyid, Laila Muhammad Rizki Mulya Nanda Rosita, Ari Safira Mustaqilla Samoh, Miss Nifatimah Sari, Maula Sri Wahyuni TRI WULANDARI Wahyu Maulana, Wahyu Zaiyad Zubaidi