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DAFTAR ISI

HALAMAMAN JUDUL ........................................................................ i

HALAMAN PERSETUJUAN PEMBIMBING .................................. ii

HALAMAN PENGESAHAN SKRIPSI ................................................ iii

HALAMAN PERNYATAAN ................................................................. iv

HALAMAN MOTTO ............................................................................ v

HALAMAN PERSEMBAHAN ............................................................. vi

KATA PENGANTAR ............................................................................ viii

ABSTRAK ............................................................................................... x

DAFTAR ISI ........................................................................................... xi

DAFTAR TABEL ................................................................................... xv

DAFTAR GAMBAR ............................................................................... xvi

BAB I : PENDAHULUAN

A. Latar Belakang Masalah ............................................. 1

B. Fokus Penelitian ......................................................... 6

C. Rumusan Masalah ...................................................... 6

D. Tujuan Penelitian ....................................................... 6

E. Manfaat Penelitian ..................................................... 7

F. Sistematika Penulisan Skripsi .................................... 8

BAB II : KAJIAN PUSTAKA

A. Manajemen Risiko ..................................................... 10

1. Pengertian Manajemen Risiko ............................. 10

2. Jenis-jenis Risiko Lembaga Keuangan ................ 11

3. Risiko Pembiayaan ............................................... 13

4. Upaya Menanggulangi Risiko .............................. 14

B. Pembiayaan Mudharabah ........................................... 19

1. Pengertian Pembiayaan Mudharabah ................... 19

2. Landasan Syari’ah ................................................ 22

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3. Jenis-jenis Mudharabah ........................................ 24

4. Aplikasi dalam Perbankan..................................... 25

5. Manfaat Mudharabah ............................................ 25

6. Risiko Mudharabah .............................................. 26

C. Pembiayaan Murabahah ............................................. 26

1. Pengertian Pembiayaan Murabahah ..................... 26

2. Landasan Syari’ah ................................................ 29

3. Jenis-jenis Murabahah .......................................... 29

4. Aplikasi dalam Perbankan .................................... 29

5. Manfaat Murabahah ............................................. 30

6. Risiko Murabahah ................................................ 30

D. Baitul Maal Wa Tamwil (BMT) ................................ 31

1. Pengertian Baitul Maal Wa Tamwil (BMT) ........ 31

2. Visi ....................................................................... 32

3. Misi ...................................................................... 33

4. Tujuan BMT .......................................................... 33

5. Sifat, Asas, dan Landasan BMT ........................... 34

6. Badan Hukum ....................................................... 34

E. Hasil Peneletitian Terdahulu ...................................... 34

F. Kerangka Berfikir ....................................................... 37

BAB III : METODE PENELITIAN

A. Jenis Penelitian ........................................................... 39

B. Pendekatan Penelitian ................................................ 39

C. Sumber Data ............................................................... 40

D. Lokasi Penelitian ........................................................ 41

E. Teknik Pengumpulan Data ......................................... 41

F. Uji Keabsahan Data..................................................... 43

G. Analisis Data .............................................................. 44

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BAB IV : HASIL PENELITIAN DAN PEMBAHASAN

A. Gambaran Umum Objek Penelitian ........................... 47

1. Sejarah Berdirinya BMT Mubarakah Undaan Lor

Kudus ................................................................... 47

2. Nama dan Alamat Instansi BMT Mubarakah

Undaan Lor Kudus ............................................... 48

3. Visi, Misi Dan Motto BMT Mubarakah Undaan Lor

Kudus ................................................................... 48

4. Letak Geografis BMT Mubarakah Undaan Lor

Kudus .................................................................... 49

5. Struktur Organisasi BMT Mubarakah Undaan Lor

Kudus ................................................................... 49

6. Ruang Lingkup Wewenang dan Mekanisme ....... 52

7. Produk dan Jasa BMT Mubarakah Undaan Lor

Kudus ................................................................... 55

8. Pembiayaan Mudharabah dan Murabahah di BMT

Mubarakah Undaan Lor Kudus ............................ 64

B. Deskripsi Data penelitian ............................................ 68

1. Data Risiko Pembiayaan Mudharabah dan

Murabahah di BMT Mubarakah Undaan Lor Kudus 68

2. Data Perbandingan Risiko Pembiayaan Mudharabah

dengan Murabahah di BMT Mubarakah Undaan Lor

Kudus .................................................................... 74

3. Data Kendala dan Solusi dalam Risiko Pembiayaan

Mudharabah dan Murabahah di BMT Mubarakah

Undaan Lor Kudus ................................................ 76

C. Pembahasan dan Analisis ............................................ 79

1. Analisis Tentang Risiko Pembiayaan Mudharabah

dan Murabahah di BMT Mubarakah Undaan Lor

Kudus ................................................................... 79

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2. Analisis Tentang Perbandingan Risiko Pembiayaan

Mudharabah dengan Murabahah di BMT

Mubarakah Undaan Lor Kudus ............................ 88

3. Analisis Tentang Kendala dan Solusi dalam Risiko

Pembiayaan Mudharabah dan Murabahah di BMT

Mubarakah Undaan Lor Kudus ............................. 92

BAB V : PENUTUP

A. Kesimpulan ................................................................ 100

B. Keterbatasan Peneliti .................................................. 103

C. Saran-saran ................................................................. 103

D. Penutup ....................................................................... 104

DAFTAR PUSTAKA

DAFTAR RIWAYAT PENDIDIKAN PENULIS

LAMPIRAN-LAMPIRAN

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DAFTAR TABEL

Tabel 1.1 : Data Pembiayaan Mudharabah dan Murabahah Tahun

2016 BMT Mubarakah Undaan Lor Kudus .............. 4

Tabel 4.1 : Kendala dan Solusi dalam Risiko Pembiayaan

Mudharabah dan Murabahah di BMT Mubarakah

Undaan Lor Kudus ..................................................... 78

Tabel 4.2 : Perbandingan Risiko Pembiayaan Mudharabah dengan

Murabahah di BMT Mubarakah Undaan Lor Kudus 91

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DAFTAR GAMBAR

Gambar 2.1 : Skema Pembiayaan Mudharabah ............................... 22

Gambar 2.2 : Skema Pembiayaan Murabahah ................................ 28

Gambar 2.3 : Kerangka Berfikir ...................................................... 38

Gambar 4.1 : Struktur Organisasi BMT Mubarakah Undaan Lor

Kudus ......................................................................... 50