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DAFTAR ISI

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HALAMAN JUDUL ........................................................................................... i

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

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

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

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

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

KATA PENGANTAR ......................................................................................... vii

DAFTAR ISI ........................................................................................................ ix

ABSTRAK ........................................................................................................... xii

DAFTAR LAMPIRAN ....................................................................................... xiii

BAB I : PENDAHULUAN

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

B. Perumusan Masalah ................................................................ 8

C. Tujuan Penelitian .................................................................... 8

D. Manfaat Penelitian .................................................................. 8

1. Manfaat Teoritis ................................................................ 8

2. Manfaat Praktis .................................................................. 9

E. Sistematika Penulisan.............................................................. 9

BAB II : LANDASAN TEORI

A. Pembiayaan ............................................................................. 11

1. Pengertian Pembiayaan .................................................... 11

2. Rukun dan Syarat Pembiayaan .......................................... 14

3. Macam-macam Produk Pembiayaan ................................. 16

4. Unsur-unsur Pembiayaan .................................................. 21

5. Manfaat Pembiayaan ......................................................... 21

6. Faktor-faktor Pembiayaan bermasalah .............................. 22

B. Manajemen Resiko .................................................................. 25

1. Pengertian Manajemen Resiko .......................................... 25

2. Macam-macam Resiko Pembiayaan ................................. 26

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3. Upaya menanggulangi Resiko Pembiayaan ...................... 29

C. Penelitian Terdahulu ............................................................... 36

D. Kerangka Berfikir.................................................................... 40

BAB III : METODE PENELITIAN

A. Jenis dan Pendekatan Penelitian.............................................. 42

B. Lokasi Penelitian ..................................................................... 43

C. Subyek Penelitian .................................................................... 43

D. Obyek Penelitian .................................................................... 44

E. Sumber data ..................................................................... 44

1. Data Primer ....................................................................... 44

2. Data Skunder ..................................................................... 44

F. Teknik Pengumpulan Data ..................................................... 45

1. Dokumentasi .................................................................... 45

2. Wawancara Secara Mendalam .......................................... 45

3. Observasi ..................................................................... 45

G. Uji Keabsahan Data................................................................ 45

1. Uji kredebilitas .................................................................. 45

2. Metode Analisa Data ......................................................... 48

BAB IV : HASIL PENELITIAN DAN PEMBAHASAN

A. Gambaran Umum Obyek Penelitian ...................................... 50

1. Sejarah Berdirinya BMT Shohibul Ummat Rembang ....... 50

2. Visi misi BMT Shohibul Ummat ....................................... 52

3. Lokasi ................................................................................ 52

4. Struktur Organisasi ............................................................ 53

5. Wewenang dan Tanggung Jawab Kerja ........................... 54

B. Deskriptif Data Penelitian ...................................................... 59

1. Data Pengelolaan Pembiayaan di BMT Shohibul Ummat

Rembang .......................................................................... 59

a. Prosedur Pengajuan Pembiayaan di BMT Shohibul

Ummat Rembang ........................................................ 59

b. Investigasi Pembiayaan ............................................. 61

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c. Analisa Pembiayaan .................................................. 63

d. Pengawasan Pembiayaan di BMT Shohibul Ummat

Rembang ..................................................................... 65

e. Produk-Produk di BMT Shohibul Ummat Rembang 68

f. Prosedur dan Mekanisme kerja di BMT Shohibul

Ummat Rembang ........................................................ 73

2. Data Penyebab Pembiayaan Bermasalah di BMT Shohibul

Ummat Rembang ............................................................. 76

3. Data Strategi Menanggulangi Pembiayaan Bermasalah di

BMT Shohibul Ummat Rembang .................................... 81

C. Analisis Hasil Penelitian ........................................................ 86

1. Analisis Proses Pembiayaan di BMT Shohibul Ummat

Rembang .......................................................................... 86

2. Analisis Faktor-faktor Pembiayaan Bermasalah di BMT

Shohibul Ummat Rembang ............................................. 90

3. Analisis Penyelesaian Pembiayaan Bermasalah di BMT

Shohibul Ummat Rembang ............................................. 95

BAB V : PENUTUP

A. Kesimpulan ............................................................................. 103

B. Saran ....................................................................................... 105

C. Penutup .................................................................................... 106

DAFTAR PUSTAKA

DAFTAR RIWAYAT HIDUP

LAMPIRAN-LAMPIRAN