ANALISIS PENILAIAN AGUNAN DALAM KEPUTUSAN PEMBERIAN PEMBIAYAAN MURABAHAH PADA BMT AT- TAQWA MUHAMMADIYAH SUMATERA BARAT (STUDI KASUS BMT AT-TAQWA CABANG BELIMBING)

Abstract

BMT At-Taqwa Muhammadiyah West Sumatera is a BMT that collects funds and distributes funds to the community, namely through several products, one of which is murabahah financing. In financing, of course BMT At-Taqwa requires a guarantee that will be submitted from the customer. As well as BMT At-Taqwa has its own eligibility standards in assessing a collateral which many people and also new customers do not know and understand the calculation procedure for the collateral they will provid. The formulation of the problem in this thesis is how the collateral appraisal in the decision to provid murabahah financing at BMT At-Taqwa Muhammadiyah West Sumatera and what are the factors that affect the collateral appraisal at BMT At-Taqwa West Sumatera. This type of research is qualitative research.

This study aims to determine the collateral valuation analysis in the decision to grant murabahah financing and what are the factors that affect the collateral valuation at BMT At-Taqwa. The data in this study are primary data and secondary data.

The results of this study indicate that in the assessment of murabahah financing collateral at BMT At-Taqwa Muhammadiyah based on several provisions related to the feasibility of murabahah financing collateral, namely collateral analysis, the principle of financing used by BMT At-Taqwa Muhammadiyah to analyze collateral is by using the 5C principle (Character, Capacity, Capital, Economic Condition, Collateral). And the factors that influence the valuation of collateral are influenced by economic and juridical factors.