Pengawasan sebagai Upaya dalam Pencegahan Pembiayaan Murabahah Bermasalah

Anri Akta Perdana Siregar (Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sumatera Utara Medan)
Mustapa Khamal Rokan (Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sumatera Utara Medan)
Budi Harianto (Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sumatera Utara Medan)

Jurnal Informatika Ekonomi Bisnis
Vol. 5, No. 3 (September 2023)

This study aims to analyze the dominant factor of Monitoring (Monitoring) as an Effort in Preventing Problematic Cheap-Based Financing KCP BSI Medan Marelan. The method used is the quantitative method, using a sample of 10 employees, the X variable is 7B and 1S and the Y variable is the supervision of cheap financing, the data collection technique used is the Likert Scale angle with data analysis techniques using factor analysis Barlett's sphericity test and Kiser-Mayer-Olkin (KMO) and the test by interpreting factors (minimum factor loading 0.4) was carried out with IBM SPSS 27 for windows. The results obtained are 2 factors are formed for monitoring (monitoring) including primary factors and factor 2 is given the name of secondary factors; the most dominant factor is the primary factor which includes character; capital, capacity and economic conditions. It can be interpreted that in carrying out protection efforts in preventing low-cost problem financing at the BSI Marelan KCP prioritizing personal and social customer relationships, business economics and conditions or business trips carried out by clients.