Analisis Kelayakan Nasabah dalam Pembiayaan Akad Murabahah pada PT. BPRS XYZ

Litasania, Nur Alfa (2025) Analisis Kelayakan Nasabah dalam Pembiayaan Akad Murabahah pada PT. BPRS XYZ. Jurnal Simki Economic, 8 (1). pp. 35-45. ISSN 2599-0748

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Abstract

This research aims to analyze the feasibility of customers in financing murabahah contracts at PT. SRB XYZ. The method used is a qualitative approach with descriptive research type. Data was collected through interviews with employees, direct observation, and documentation of funding applications for 2023. Analysis was carried out byapplying the 5C principles (Character, Capacity, Capital, Collateral, Conditions) as well as triangulation techniques to ensure data validity. The research results show that customer eligibility analysis is carried out through several stages, such as document inspection, field survey, credit history analysis using BI Checking, and assessment of customer business capacity. Of the total 897 funding applications in 2023, 79% were successfully disbursed, while the rest were rejected or canceled due to data discrepancies, completeness of documents, and failure to meet financing criteria. This research concludes that implementing strict feasibility analysis procedures can minimize the risk of financing problems

Item Type:	Article
Uncontrolled Keywords:	Customer Eligibility, Murabahahah Financing, 5C Principles
Subjects:	Economic And Business Finance Economic And Business > Management
Divisions:	Faculty of Economic and Business > Management Study Program
Depositing User:	Nur Alfa Litasania
Date Deposited:	02 Jul 2025 04:05
Last Modified:	02 Jul 2025 04:05
URI:	http://eprints.umg.ac.id/id/eprint/13959

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