Penerapan denda Bank Muamalat Palangka Raya dalam perspektif syariah compliance

Frisliani, Frisliani (2019) Penerapan denda Bank Muamalat Palangka Raya dalam perspektif syariah compliance. Undergraduate thesis, IAIN Palangka Raya.

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Abstract

Syariah compliance adalah ketaatan Bank syariah terhadap prinsip syariah. Salah satunnya Bank Muamalat. Pelaksanaan penerapan denda pada pembiayaan bermasalah tersebut, dalam hal ini apakah sudah sesuai bedasarkan prinsip syariah. Tujuan peneilitian ini adalah untuk mengetahui prosedur pembiayaan pada Bank Muamalat Palangka Raya, mekanisme denda pada Bank Muamalat Palangka Raya, dampak pembiayaan bermasalah pada Bank Muamalat Palangka Raya dan tinjauan syariah compliance terhadap denda pada Bank Muamalat Palangka Raya. Berdarsarkan rumusan masalah yaitu: (1) Bagaimana prosedur pembiayaan pada Bank Muamalat Palangka Raya? (2) Bagaimana mekanisme denda pada Bank Muamalat Palangka Raya? (3) Bagaimana dampak pembiayaan bermasalah pada Bank Muamalat Palangka Raya? (4) Bagaimana denda pada Bank Muamalat PalangkaRaya dalam perspektif syariah compliance?

Penelitian ini merupakan penelitian lapangan (field research) yang menggunakan metode penelitian kualitatif. Pendekatan dalam penelitian in adalah kualitatif deskriptif. Adapun subjek penelitian ini adalah karyawan Bank Muamalat Palangka Raya. Teknik pengumpulan datanya dengan observasi, wawancara, dan dokumentasi. Teknik pengabsahan datanya menggunakan triangulasi teori dan sumber dengan mengumpulkan data dan informasi dari berbagai sumber berbeda.

Hasil penelitian ini menunjukkan bahwa prosedur pembiayaan Bank Muamalat Palangka Raya sesuai dengan teori prinsip pembiayaan yaitu 5C: character, capacity, capital, collateral, dan condition. Mekanisme denda pada Bank Muamalat Palangka Raya dilakukan kepada nasabah yang mampu namun menunda – nunda dalam pembayara adalah sesuai dengan teori denda, yaitu hukuman berupa uang yang harus dibayarkan karena melanggar aturan peraturan atau undang – undang. dampak pembiayaan bermasalah pada Bank Muamalat yaitu keuntungan menurun, menurunnya aset/risiko likuiditas, menurunnya kesehatan pembiayaan/ risiko pembiayaan, serta menurunnya modal / risiko modal sesuai dengan teori risiko Bank Syariah, dan perspektif syariah compliance terhadap denda pada Bank Muamalat Palangka Raya adalah sesuai dengan teori syariah compliance berdasarkan dana denda bukan menjadi pendapatan Bank Muamalat melainkan disalurkan ke lembaga dana sosial ZIS ( Zakat, Infaq dan Sedekah).

ABSTRACT

Sharia compliance was the compliance of sharia banks with sharia principles. One of the implementation of fines in Islamic Perspective Compliance was done by the Muamalat Bank. Regarding the implementing the fines in the problematic financing, this was already in accordance to Islamic Principles. The purposes of this research were to find the financing procedures at Muamalat Palangka Raya bank, the mechanism of fines at Muamalat Palangka Raya bank, the impacts of problematic financing at Muamalat Palangka Raya bank and the perspectives of sharia compliance related the fines at Muamalat Palangka Raya bank. The research problems were; (1) what were the financing procedures at Muamalat Palangka Raya bank? (2) What was the mechanism of fines at Muamalat Palangka Raya bank? (3) What was the impact of problematic financing at Muamalat Palangka Raya bank? (4) What was the perspective of sharia compliance related the fines at Muamalat Palangka Raya bank?

This research was a field research using qualitative research methods. The approach of this research was descriptive qualitative. The subjects of this research were employees of Muamalat Palangka Raya bank. Data collection techniques were observation, interviews, and documentation. The data validation technique used triangulation theories and sources by gathering data and information from a variety of different sources.

The results of this research indicated that the financing procedure of Muamalat Palangka Raya bank was in accordance with the theory of financing principles, namely 5Cs: character, capacity, capital, collateral, and condition. The mechanism of fines at Muamalat Palangka Raya bank carried out to customers who were capable but delayed in payment was in accordance with the theory of fines, namely penalties in the form of money that must be paid for violating the rules or regulations. the impact of problem financing at Muamalat Bank, which was decreasing profit, decreasing liquidity assets / risk, decreasing financing health / financing risk, and decreasing capital / capital risk in accordance with Sharia Bank risk theory, and sharia compliance perspective on fines at Muamalat Palangka Raya Bank was in accordance with Sharia compliance theory was based on the fines fund not being the income of Bank Muamalat but rather being distributed to ZIS social fund institutions (Zakat, Infaq and Alms).

Item Type: Thesis (Undergraduate)
Uncontrolled Keywords: Sanksi Denda ; Bank Muamalat; Compliance
Subjects: 15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1502 Banking, Finance and Investment > 150203 Financial Institutions (incl. Banking)
Divisions: Fakultas Ekonomi dan Bisnis Islam > Jurusan Ekonomi Islam > Program Studi Perbankan Syariah
Depositing User: Unnamed user with email daniaty_marina@yahoo.com
Date Deposited: 05 Jun 2020 04:17
Last Modified: 05 Jun 2020 04:17
URI: http://digilib.iain-palangkaraya.ac.id/id/eprint/2377

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