@thesis{thesis,
		author={Agustin  Alfina Rohmah},
		title ={Analisis implementasi manajemen risiko pada Pembiayaan Modal kerja Mudharabah pada UMKM: Studi Kasus pada Bank Syariah Mandiri Kantor Cabang Di Malang Batu},
		year={2016},
		url={http://etheses.uin-malang.ac.id/10435/},
		abstract={?????? ?????

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???? ??? ????? ?? ?????? ?????? ?????? ???? ?????? (2015: 69) ????? ????? ?????? ?? ??? ?? ????? ???? ??? ??? ??? ?? ???? ?????. ???? ??????? ??? ???? ??? ???????? ??????? ???? ????? ???? ??????? ?????? ?????? ?? ????? ??????? ????? ???? ?????? ????????? ?????????? ???????? ?? ??????? ?? ???? ???? ?? ????????? ???? ???????? ?????? ?????????.

???? ?? ??? ???????? ???? ????? ?? ???????? ??????? ????: 1) ????? ???????? ????? ??????? ????? ??? ????? ?????? ?? ?????? ??????? ????????? ?? ??? ??????? ??????? ???? ????-??????? ???? ??? ??????? ???: ????? ????? ???????? ?????? ???????? ????????? ???????. ????????? ?? ??????? ??????? ?? ???????? ??????? ????????? ???? ??? ?? ????? ????? ?????? ?????? ??????2) ?????? ?????? ????????? ????????? ??? ??? ??????? ???????? ??????? ?????????? ????????? ???????? ???????? ????? ??????. ?? ????? ?? ????? ????? ?? ????? ?????????? ???? ???? ???? ??? ???????

ABSTRACT

Banking has a very important role in the economy of a country. The better condition of a bank so the better the condition of the state's economy. The effectiveness and efficiency of the banking system in one country will expedite the strong economy of the country. The amount of working capital financing targeted at SMEs that extended by the Bank. In financing cannot be separated from a risk, if the risk is not able to run will affect the development of the Bank, then in this case, the management of risk in the Bank is not included in the category of very high risk, this research look for analyzing the Risk Management Implementation On Working Capital of Mudharabah financing On SMEs Case Study at Bank Syariah.

This research was a qualitative descriptive approach According to Ulum (2015: 69) explained that the descriptive research was a type of research that aimed to explain something through a study. This method will explain the current data will generate descriptive captions systematic and accurate information on the true state. Therefore, researcher conducted observations, interviews and documentation then analyzed them through data reduction, data presentation and make conclusions.

From these results, there were two important indicators, namely: 1) The risk management process of mudharabah working capital financing on SMEs at Bank Syariah Mandiri KC Batu-Malang, there were five processes, namely: Identification, Risk Measurement, Risk Management, and Monitoring and Controlling and completion of the financing problems in SMEs that was done by restructuring, rescheduling, and reconditioning. 2) The constraints faced by Banks Syariah Mandiri, namely the lack of human resources, technological advances, globalization, networking and limited office. Then the Bank should continue to implement the strategy so that this problem can be anticipated

ABSTRAK

Perbankan memiliki peran sangat penting dalam perekonomian suatu Negara. Semakin baik kondisi perbankan suatu Negara, semakin baik pula kondisi perekonomian Negara tersebut. Efektivitas dan efisiensi sistem perbankan disuatu Negara akan memperlancar perekomian Negara tersebut. banyaknya pembiayaan modal kerja yang ditujukan pada UMKM yang disalurkan oleh Bank. pada pembiayaan tersebut tidak lepas dari suatu risiko, jika risiko tersebut tidak mampu dikelola dengan akan berpengaruh pada perkembangan Bank, maka dalam hal ini manajemen risiko yang ada di Bank tidak termasuk dalam kategori very high risk Untuk itu, penelitian ini berupaya Menganalisis Implementasi Manajemen Risiko Pada Pembiayaan Modal Kerja Mudharabah Pada UMKM Studi Kasus Pada Bank Syariah.

Penelitian ini merupakan penelitian kualitatif, dengan pendekatan deskriptif Menurut Ulum (2015: 69) menjelaskan penelitian deskriptif adalah jenis penelitian bertujuan untuk menjelaskan sesuatu melalui sebuah penelitian. Metode ini akan menjelaskan data saat ini akan menghasilkan keterangan deskriptif yang sistematis dan akurat mengenai keadaan sebenarnya Oleh karena itu, peneliti melakukan observasi, wawancara dan dokumentasi kemudian menganalisisnya melalui reduksi data, penyajian data dan membuat kesimpulan.

Dari hasil penelitian ini, terdapat dua indikator penting yaitu: 1) Proses manajemen risiko pembiayaan modal kerja mudharabah pada UMKM di Bank Syariah Mandiri KC Kota Batu-Malang terdapat lima proses yaitu: Identifikasi, Pengukuran Risiko, Pengelolaan Risiko, dan Pemantauan dan Pengendalian. D}
		}