إدارة مخاطر الائتمان ÙÙŠ المصار٠الإسلامية دارسة الØالة: مصر٠(ب ر Ø¥) شريعة مالانج
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Institusion
Universitas Islam Negeri Maulana Malik Ibrahim Malang
Author
Ezbeyda, Hamed Abdel Salam Mansour
Subject
Datestamp
2018-03-09 09:12:45
Abstract :
?????? ????? ??? ??? ??????? ????? ?????? ?? ????? ??? ??? ??? ??????? ??????? ???????? ?? ??????? ?????? ?? ??????? ????????? ?? ??????? ????????? ??? ????? ?? ????? ???????? ???????? (BRI) ??? ?????? ??? ??? «????? ????????» ?????? ???????? ??? ?? ????? ?? ????? ??????? ????? ?? ?????? ??? ???????? ??????? ?????????? ?????? ??? ????????? ???????? ??????? ??? ???? ??? ????? ?????. ??? ?????? ?????? ?????? ?????? ?????? ?? ??? ??????? ?? ???? ??? ?????? ????? ????? ????? ???????? ?? ???? BRI ????? ??????? . ?????? ??? ??????? ?????? ????? ? ?? ????? ???????? ?? ??? BRI ????? ??? ?????? ????? ???????? ? ?????? ??????? ??? ??????? ?? ???? ???????? ?????? ????? ????? ???????? ????? ?? ???? ?????? ??????? ?????? ????? ?? ????? ???????. ?????? ??? ??????? ? ??? ?? ??? ????? ??? ?? ??????? ??????? ?????? ????? ? ??? ??? ??????? ??? ??? ??????? ???????? ???? ????? ???????? ?????? ???? ????? ?????? ??????? ????????? ???????? ???????? ??? ?????? ?? ??? ???????? ?????? ???????? ?? ??? BRI ??? ?????? ? ??? ??????? ??????? ???? ???????? ?????? ????? ??? ???????? ??????? ?????? ?? ????? ????? ????? ??? ??????? ?????? ? ???? ?????? ?? ?????? ???????? ???????? ?? ??????? ???? ?? ??????? ?????? ??????? ??????? ???? ????? ????? ?????? ???? ????? ? ???? ??? ????? ??????? ????????? ??????? ? ?? ???? ????? ????? ???? ??????? ABSTRACT The researcher aims to explain further about credit risk which mostly occurs in banking transaction service in some sharia banks of Indonesian Republic ; one of them is Bank of BRI Syariah-Malang branch. Credit risk is a risk that is unseparable from bank's operation, especially when it coincides with high rate of competition, technology development and the increase of banking total transactions and the requisition for having transaction with major banks. The researcher used desriptive-qualitative research method in his study by employing management of credit risk phenomena in its description and analysis in some sharia banks. The result of the study showed that credit risk has negative impact for the bank, on the other hand the process that decrease risk level in fast process. The researcher pointed that the risk raised from the bank decision is minimum liquidity that the bank whose no sufficient liquidity fund is not able to solve the problem. From the planning aspect, as a matter of fact, the management of function regards the prospectable future and decides the best way to realize organization's mission. Whereas from the aspect of obstacle, the researcher found that the credit risk of bank of BRI Syariah ?Malang branch's obstacle is the poor of the management use, policy making and its planning. The same problem is the lack of commitment of the customers' debt repayment and its liquidity. The solution of the credit and the reduction of credit risk is to conduct the well conducted study in complicated problem faced by the bank, and expand the the work scope to actualize the development and prosperity of community by providing best service for the customers ABSTRAK Peneliti bertujuan untuk menjelaskan lebih lanjut tentang resiko kredit dan yang paling banyak terjadi dalam layanan transaksi perbankan di beberapa bank syariah di Republik Indonesia; antara lain bank BRI Syariah cabang malang. Resiko Kredit adalah sebuah resiko yang tidak terpisahkan dari pekerjaan bank, terlebih ketika bersamaan dengan tingginya angka persaingan, perkembangan teknologi dan bertambahnya jumlah traksaksi perbankan serta kebutuhan terhadap bank-bank besar. Peneliti menggunakan metode penelitian deskriptif kualitatif dalam penelitiannya ini, dengan melalui deskripsi dan analisis fenomena manajemen resiko kredit di beberapa bank syariah. Hasil penelitian ini menunjukkan bahwa resiko kredit mempunyai pengaruh negatif terhadap bank, akan tetapi proses mengurangi tingkat resiko tersebut berjalan cepat. Peneliti berpendapat bahwa resiko yang muncul dari keinginan bank adalah likuiditas minim, dimana bank yang tidak memiliki dana likuiditas yang mencukupi tidak dapat menutupi masalah ini. Dari segi perencanaan, sesungguhnya fungsi manajemen ini memperhatikan peluang di masa depan dan menentukan jalan terbaik untuk mewujudkan misi organisasi. Sedangkan dari segi hambatan, peneliti mendapati bahwa hambatan resiko kredit di bank BRI Syariah cabang malang adalah buruknya penggunaan manajemen, penyusunan kebijakan dan perencanaan. Begitu juga kurangnya komitmen pelunasan hutang dari pihak nasabah bank serta minimnya likuiditas bank. Solusi perkreditan dan pengurangan resiko kredit adalah melakukan studi yang baik terhadap permasalahan rumit yang dihadapi bank, dan memperluas lingkup kerja untuk mewujudkan pengembangan dan kesejahteraan masyarakat dengan jalan penyediaan layanan terbaik bagi para nasabah.
?????? ????? ??? ??? ??????? ????? ?????? ?? ????? ??? ??? ??? ??????? ??????? ???????? ?? ??????? ?????? ?? ??????? ????????? ?? ??????? ????????? ??? ????? ?? ????? ???????? ???????? (BRI) ??? ?????? ??? ??? «????? ????????» ?????? ???????? ??? ?? ????? ?? ????? ??????? ????? ?? ?????? ??? ???????? ??????? ?????????? ?????? ??? ????????? ???????? ??????? ??? ???? ??? ????? ?????. ??? ?????? ?????? ?????? ?????? ?????? ?? ??? ??????? ?? ???? ??? ?????? ????? ????? ????? ???????? ?? ???? BRI ????? ??????? . ?????? ??? ??????? ?????? ????? ? ?? ????? ???????? ?? ??? BRI ????? ??? ?????? ????? ???????? ? ?????? ??????? ??? ??????? ?? ???? ???????? ?????? ????? ????? ???????? ????? ?? ???? ?????? ??????? ?????? ????? ?? ????? ???????. ?????? ??? ??????? ? ??? ?? ??? ????? ??? ?? ??????? ??????? ?????? ????? ? ??? ??? ??????? ??? ??? ??????? ???????? ???? ????? ???????? ?????? ???? ????? ?????? ??????? ????????? ???????? ???????? ??? ?????? ?? ??? ???????? ?????? ???????? ?? ??? BRI ??? ?????? ? ??? ??????? ??????? ???? ???????? ?????? ????? ??? ???????? ??????? ?????? ?? ????? ????? ????? ??? ??????? ?????? ? ???? ?????? ?? ?????? ???????? ???????? ?? ??????? ???? ?? ??????? ?????? ??????? ??????? ???? ????? ????? ?????? ???? ????? ? ???? ??? ????? ??????? ????????? ??????? ? ?? ???? ????? ????? ???? ??????? ABSTRACT The researcher aims to explain further about credit risk which mostly occurs in banking transaction service in some sharia banks of Indonesian Republic ; one of them is Bank of BRI Syariah-Malang branch. Credit risk is a risk that is unseparable from bank's operation, especially when it coincides with high rate of competition, technology development and the increase of banking total transactions and the requisition for having transaction with major banks. The researcher used desriptive-qualitative research method in his study by employing management of credit risk phenomena in its description and analysis in some sharia banks. The result of the study showed that credit risk has negative impact for the bank, on the other hand the process that decrease risk level in fast process. The researcher pointed that the risk raised from the bank decision is minimum liquidity that the bank whose no sufficient liquidity fund is not able to solve the problem. From the planning aspect, as a matter of fact, the management of function regards the prospectable future and decides the best way to realize organization's mission. Whereas from the aspect of obstacle, the researcher found that the credit risk of bank of BRI Syariah ?Malang branch's obstacle is the poor of the management use, policy making and its planning. The same problem is the lack of commitment of the customers' debt repayment and its liquidity. The solution of the credit and the reduction of credit risk is to conduct the well conducted study in complicated problem faced by the bank, and expand the the work scope to actualize the development and prosperity of community by providing best service for the customers ABSTRAK Peneliti bertujuan untuk menjelaskan lebih lanjut tentang resiko kredit dan yang paling banyak terjadi dalam layanan transaksi perbankan di beberapa bank syariah di Republik Indonesia; antara lain bank BRI Syariah cabang malang. Resiko Kredit adalah sebuah resiko yang tidak terpisahkan dari pekerjaan bank, terlebih ketika bersamaan dengan tingginya angka persaingan, perkembangan teknologi dan bertambahnya jumlah traksaksi perbankan serta kebutuhan terhadap bank-bank besar. Peneliti menggunakan metode penelitian deskriptif kualitatif dalam penelitiannya ini, dengan melalui deskripsi dan analisis fenomena manajemen resiko kredit di beberapa bank syariah. Hasil penelitian ini menunjukkan bahwa resiko kredit mempunyai pengaruh negatif terhadap bank, akan tetapi proses mengurangi tingkat resiko tersebut berjalan cepat. Peneliti berpendapat bahwa resiko yang muncul dari keinginan bank adalah likuiditas minim, dimana bank yang tidak memiliki dana likuiditas yang mencukupi tidak dapat menutupi masalah ini. Dari segi perencanaan, sesungguhnya fungsi manajemen ini memperhatikan peluang di masa depan dan menentukan jalan terbaik untuk mewujudkan misi organisasi. Sedangkan dari segi hambatan, peneliti mendapati bahwa hambatan resiko kredit di bank BRI Syariah cabang malang adalah buruknya penggunaan manajemen, penyusunan kebijakan dan perencanaan. Begitu juga kurangnya komitmen pelunasan hutang dari pihak nasabah bank serta minimnya likuiditas bank. Solusi perkreditan dan pengurangan resiko kredit adalah melakukan studi yang baik terhadap permasalahan rumit yang dihadapi bank, dan memperluas lingkup kerja untuk mewujudkan pengembangan dan kesejahteraan masyarakat dengan jalan penyediaan layanan terbaik bagi para nasabah.
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