Jurnal Ekonomi Syariah Teori dan Terapan
Vol. 4 No. 2 (2017): Februari-2017

Analisis Pembiayaan Akad Mudharabah dan Musyarakah di Bank Syariah (Studi Kasus Bank BTN Syariah)

Muhammad Habibi Astono (Airlangga University)
Dina Fitrisia Septiarini (Airlangga University)



Article Info

Publish Date
14 Dec 2017

Abstract

The purpose of this study was to determine how the analysis process for the results of financing agreement in Islamic banks (Bank BTN Syariah case study). The results showed that of the theory 5C, Bank BTN Syariah using 4C theory (Character, Capacity, Capital, Collateral) or the so-called four pillars. As for the theory 6A (Analysis of Legal Aspects, Analysis Marketing Aspect, Aspect Analysis Technical Analysis Aspects of Management, Analysis of Financial Aspect, Aspect Analysis Socioeconomic) the Bank BTN Syariah overall use of the theory. Risk mitigation strategies of financing and loss at Bank BTN Syariah divided into two types namely risk strategy proactive and reactive risk strategy . Proactive risk strategy carried out by the analysis of the character , financial capability and guarantees borrowers. Reactive risk strategy carried out by the approach of friendship , rescheduling and restructuring measures, as well as the withdrawal of the guarantee.

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Journal Info

Abbrev

JESTT

Publisher

Subject

Economics, Econometrics & Finance

Description

Jurnal Ekonomi Syariah Teori dan Terapan (JESTT) accepts original manuscripts in the field of Islamics Economics, including research reports, case reports, application of theory, critical studies and literature ...