PROSEDUR PEMBIAYAAN PRODUK MIKRO DAN PENYELESAIAN PEMBIAYAAN BERMASALAH DI PEGADAIAN SYARIAH UPS OTISTA SUBANG

Abstract

The purposes of this research are to know how the micro product financing procedure and how to solution problematic financing at the Pegadaian UPS Otista Subang Syariah. The type of method in this research is a qualitative method. Primary data were collected by interviewing the Junior Staff / Young Cashier of Islamic Pegadaian UPS Otista Subang and Relations Manager of the Subang Branch of Pegadaian and secondary data with literature study. Analyzed using descriptive analysis techniques. The results showed that for micro product financing procedures, prospective customers must first meet the requirements that have been determined. The requirements for this micro product are the same, the only difference is the collateral. After these requirements are met, a survey will then be carried out regarding the accuracy of customer data and assessing the feasibility or ability of the customer with 5C. The factors that cause problematic financing are due to bankruptcy of the customer's business, termination or termination of employment, customers who are not trustworthy or intentionally do not pay and have died in the world. Settlement of problematic financing at Pegadaian Syariah UPS Otista Subang. First, the pawnshop makes persuasive efforts. If the first attempt does not get results, the next step is a warning letter / summons. If the second step still does not get a solution, the pawnshop will come to the customer to his residence and if the three steps do not find a bright spot, the ups otista subang syariah pawnshop will confiscate collateral or carry out the execution.