ROHMADZUHRI NURBANATRA, 041114098 (2016) MITIGASI RISIKO PEMBIAYAAN PEGADAIAN SYARIAH CABANG BLAURAN SURABAYA. Skripsi thesis, UNIVERSITAS AIRLANGGA.

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Abstract

MINISTRY OF RESEARCH, TECHNOLOGY, AND HIGHER EDUCATION FACULTY OF ECONOMIC AND BUSINESS AIRLANGGA UNIVERSITY Islamic Pawnshop (Pegadaian) will face larger risks as they continue to grow and develop. Risk mitigation is therefore a must in order for Islamic Pawnshop (Pegadaian) to fulfill its mission which is the welfare of the community. Being a micro Islamic Institution, Islamic Pawnshop (Pegadaian) faces a particular risk, which is funding risk. The purpose of this research is to shed light on the methods of risk mitigation performed by Islamic Pawnshop (Pegadaian). This research adopts a qualitative approach with a study case methodology. Data collection is done through personal interviews with informants, who are the head of branch, marketing staffs, administration staffs and clients of Pegadaian branch Blauran, Surabaya. Secondary data is also collected from documents pertinent to risk mitigation in Islamic Pawnshop (Pegadaian). The technique of analysis employed in this research is the Pattern-Matching technique accompanied with the narration of results of the interviews. Results from this research suggest that the mitigation of funding risks have not been optimized in Islamic Pawnshop (Pegadaian). The risk mitigation process has only been formalities done without evaluation in order to comply with the standard procedures. Unattended risk mitigation will lead to non performing funding. Risk mitigation processes done during funding proposals are one of the first steps in curtailing non performing funding. It has been shown that risk mitigation during this phase is done carelessly due to the fact that Islamic Pawnshop (Pegadaian) fails to analyze client profiles’ profoundly and base much of their analysis on previous funding records and reputation, something which only existing clients have. Such practices will lead to inaccurate mitigation processes. Thus said, funding risks in Islamic pawnshop have not yet been optimally mitigated.

Item Type:	Thesis (Skripsi)
Additional Information:	KKB KK FEB.EI.01/16 Nur m
Uncontrolled Keywords:	Mitigation, Risk, Funding, Islamic Pawnshop (Pegadaian)
Subjects:	H Social Sciences > HG Finance > HG1-9999 Finance H Social Sciences > HG Finance > HG1-9999 Finance > HG1501-3550 Banking > HG1811-2351 Special classes of banks and financial institutions
Divisions:	04. Fakultas Ekonomi dan Bisnis > Ekonomi Syariah
Creators:	Creators NIM ROHMADZUHRI NURBANATRA, 041114098 UNSPECIFIED
Contributors:	Contribution Name NIDN / NIDK Thesis advisor Muhamad Nafik Hadi Ryandono, Dr., SE., M.Si UNSPECIFIED
Depositing User:	mat sjafi'i
Date Deposited:	04 May 2016 01:04
Last Modified:	14 Jun 2017 18:55
URI:	http://repository.unair.ac.id/id/eprint/30397
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