Implementasi Pembiayaan Dana Bergulir Terhadap Peningkatan Omset Usaha Nasabah PT. BPRS Patriot Kota Bekasi
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Institusion
Universitas Islam 45
Author
MAULANA, MOHAMAD DAVID
Subject
Bank Syariah
Datestamp
2022-08-29 07:39:08
Abstract :
This study aims to answer a problem in the city of Bekasi regarding capital that is difficult to obtain in the area so that many use the services of conventional banks which then the owners of micro, small and medium enterprises in the city of Bekasi begin to recognize the Revolving Fund Financing program and gradually switch to using it. This research is a descriptive qualitative research with a case study approach to the object. Data collection techniques were carried out through observation, interviews with Revolving Fund customers, and documentation. Then processed and the findings of the results to obtain conclusions. The results showed that the implementation of the Revolving Fund Financing program at PT BPRS Patriot Bekasi City was carried out by submitting a prospective customer with financing requirements and carrying out an Ijab at the PT BPRS Patriot Bekasi office to obtain financing. The amount of financing that can be given will be given in accordance with the request and qualification of financing. Of the 1,115 total customers until 2021 who use the Revolving Fund Financing product, only an administration fee and a small margin are charged for their refund. With the various features and conveniences of these products, customers can use these financing products to increase their business capital. This capital will be used by customers to increase the amount of production or sales, so that customers will easily get an increase in sales turnover or production of their business.
This study aims to answer a problem in the city of Bekasi regarding capital that is difficult to obtain in the area so that many use the services of conventional banks which then the owners of micro, small and medium enterprises in the city of Bekasi begin to recognize the Revolving Fund Financing program and gradually switch to using it. This research is a descriptive qualitative research with a case study approach to the object. Data collection techniques were carried out through observation, interviews with Revolving Fund customers, and documentation. Then processed and the findings of the results to obtain conclusions. The results showed that the implementation of the Revolving Fund Financing program at PT BPRS Patriot Bekasi City was carried out by submitting a prospective customer with financing requirements and carrying out an Ijab at the PT BPRS Patriot Bekasi office to obtain financing. The amount of financing that can be given will be given in accordance with the request and qualification of financing. Of the 1,115 total customers until 2021 who use the Revolving Fund Financing product, only an administration fee and a small margin are charged for their refund. With the various features and conveniences of these products, customers can use these financing products to increase their business capital. This capital will be used by customers to increase the amount of production or sales, so that customers will easily get an increase in sales turnover or production of their business.
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