إدارة السيولة النقدية في المصارف الإسلامية دراسة على مصرف معاملات اندونيسيا فرع مالانج: دراسة وصفية تحليلية
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Institusion

Universitas Islam Negeri Maulana Malik Ibrahim Malang

Author

Faraj, Naser Alfitouri

Subject

 

Datestamp

2018-03-09 09:12:26 

Abstract :
?????? ????? ????? ????? ???????? : ???? ??????? ???? ?????? ????? ????? ?????? ???????? ??????? ????????? ??? ?????? ??????? ??????? ???? ?? ??? ??????? ???????? ?? ????? ?????? ?????? ????? ???????????? ???? ?????? ?????? ???????? ??????? ????????? ??? ?????? ??????? ??? ??????? ??????? ?????? ?????? ?? ???? ???? ???? ????. ????? ???????? ???? ????? ?????? ???????? ??????? ????????? ??? ?????? ?? ?????? ??????? ??????? ?? ??? ????? ??????? ??? ??? ?????? ???????? ???????. ?????? ?????? ????? : ?? ????? ?????? ?????? ?????? ?????? ??? ???????? ?????? ??? ???????? ????????? ???????? ??? ??????? ?? ?????? ???????? ??????? ????????? ??? ??????. ?????? ????? ????? : ???? ???? ??? ?? ?????? ???????? ??????? ????????? ??? ?????? ???? ?????? ??????? ?? ??? ????? ??????? ???? ?? ????? ??????? ??? ?????? ????? (?????) ???????? ?????? ????? (?????). ??? ???? ????? ??????? ???? ?????? ????????? ??????? ??????? ????? ?????? ???????? ??????? ?? ??? ????????? ???????? ?? ??????? ??????? ?? ????? ??????? ?????? ????? ??????? ??????? ???? ???? ??? ???? ????? ??????? ???? ?????? ?????? ?????? ????? ??????? ???? ?? ???? ???????? ???????? ???? ?????? ?? ????? ???????? ????????? ?????? ??? ?????? ??????? ??????? ?????? ?????? ?????? ?? ??????? ??? ???????????? ??????? ?? ????? ??????? ?? ??? ?????? ?? ?????????? ??????? ???? ???? ?????? ??????????? ?????? ?? ??????? ???? ???? ????? ?? ???????? ???????? ???????? ?? ???????? ???????? ?????? ??????? ????????? ???????? ????????? ???????? ??????? ???? ??? ??????? ???????? ???????. ABSTRACT This study aimed to describe and analyze the management of Bank Syariah Muamalat Indonesia branch Malang in managing cash disbursement from the aspect of managerial functions such as planning, systems and controls. This study also aimed to describe the strategies of Bank Muamalat Indonesia branch Malang in facing the problem of shortage of cash disbursement as well as how to deal with the disbursement process when there is a flow of funds. In addition, this study also aimed to describe the challenges faced by Bank Syariah Muamalat Indonesia branch Malang in managing of cash disbursement and the risk of cash disbursement aspects and the ligament bank with sharia rules. This study used descriptive qualitative. Data were collected by observation, interview and document review of Bank Syariah Muamalat Indonesia branch Malang. The findings of this study discovered that the Bank Syariah Muamalat Indonesia branch Malang managing the disbursement on short-term and long-term planning. Beside on the system, bank arrange daily monitoring of the withdrawal process, deposit, and ensuring the reverses of cash disbursement, and do regularization and analysis the cash disbursement balance every day. In the aspect of supervision, bank make ongoing supervision of the disbursement balance through internal audit with the aim of ensuring the passage of the policies and things that have been planned to manage cash disbursement and evaluates the financial condition of the disbursement. The strategy undertaken by bank in managing disbursement is diversification strategy in which basic is alternative expansion strategy / fund reserve. There are two types of defiance associated with disbursement are defiance with liquefaction risk and the Islamic system of disbarment fund in the bank. There are two types of challenges associated with disbursement are challenges associated with the risk of disbursement and challenges associated with the commitment to the Islamic system on the issue of disbursement of funds in the bank. ABSTRAK Penelitian ini bertujuan mendeskripsikan dan menganalisa manajemen Bank Syariah Muamalat Indonesia cabang Malang dalam mengelola pencairan tunai ditinjau dari aspek fungsi manajerial yang meliputi perencanaan, sistem dan pengawasan. Penelitian ini juga bertujuan mendeskripsikan strategi-strategi Bank Muamalat Indonesia cabang Malang dalam menghadapi masalah kekurangan pencairan tunai serta cara menjalankan proses pencairan saat ada aliran dana. Selain itu, penelitian ini juga bertujuan mendeskripsikan tantangan-tantangan yang dihadapi Bank Syariah Muamalat Indonesia cabang Malang dalam mengelola pencairan tunai dari aspek resiko pencairan dan keterikatan bank dengan aturan-aturan syariah. Penelitian ini menggunakan metode derskriptif kualitatif. Data penelitian dikumpulkan dengan teknik observasi, wawancara dan peninjauan dokumen Bank Syariah Muamalat Indonesia cabang Malang. Hasil penelitian menunjukkan bahwa Bank Syariah Muamalat Indonesia cabang Malang melakukan pengelolaan pencairan berdasarkan perencanaan yang terdiri atas perencanaan jangka pendek dan jangka panjang. Dalam hal sistemnya, bank melalukan pemantauan harian terhadap proses penarikan tunai, setoran/deposit, serta memastikan adanya cadangan untuk pencairan tunai, kemuidian melakukan regularisasi dan analisis saldo pencairan tunai setiap hari. Di aspek pengawasan, bank melakukan pengawasan berkelanj 

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