AVALIS EFFECTIVENESS ON PROSPECTIVE FINANCING CUSTOMERS ON THE FINANCING RETURN SUCCESS Case Study of Harapan Syariah Cooperative Surabaya
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Aug 22, 2022
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Abstract
This research was conducted to determine the application of avalis and the effectiveness of avalis on prospective financing customers on the smooth return of financing at the Harapan Syariah Cooperative in Surabaya. This type of research is a qualitative research with analytical methods with a deductive mindset to clarify the conclusions. This research was conducted by observing and interviewing the avalists and the Harapan Syariah Cooperative in Surabaya
The results of this study conclude that the avalis in the Harapan Syariah Cooperative Surabaya has been effective. This is evidenced by the Harapan Surabaya Sharia Cooperative backlisting avalis and financing customers which causes the level of non-performing financing to continue to increase. Then the Harapan Surabaya Sharia Cooperative is looking for avalis and new financing customers in the hope that the level of non-performing financing will decrease. After a backlist was made to avalists and problematic financing customers, in 2017 the level of non-performing financing decreased, namely with an NPF of Rp. 123,000,000. then in 2018 it decreased again, namely with an NPF of Rp. 66,935,000. Meanwhile, the level of non-performing financing experienced a significant increase in the amount of Rp. 182,931,950 and decreased to Rp.123,000,000 in 2017. In 2018 there was a decrease in the level of non-performing financing, which was Rp. 66,935,000.
Keywords: Effectiveness, Avalis, Financing
The results of this study conclude that the avalis in the Harapan Syariah Cooperative Surabaya has been effective. This is evidenced by the Harapan Surabaya Sharia Cooperative backlisting avalis and financing customers which causes the level of non-performing financing to continue to increase. Then the Harapan Surabaya Sharia Cooperative is looking for avalis and new financing customers in the hope that the level of non-performing financing will decrease. After a backlist was made to avalists and problematic financing customers, in 2017 the level of non-performing financing decreased, namely with an NPF of Rp. 123,000,000. then in 2018 it decreased again, namely with an NPF of Rp. 66,935,000. Meanwhile, the level of non-performing financing experienced a significant increase in the amount of Rp. 182,931,950 and decreased to Rp.123,000,000 in 2017. In 2018 there was a decrease in the level of non-performing financing, which was Rp. 66,935,000.
Keywords: Effectiveness, Avalis, Financing
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How to Cite
[1]
C. Novitasari, M. Wahyudi, and F. Anisah, “AVALIS EFFECTIVENESS ON PROSPECTIVE FINANCING CUSTOMERS ON THE FINANCING RETURN SUCCESS”, JURNAL EDUCATION AND DEVELOPMENT, vol. 10, no. 3, pp. 312-317, Aug. 2022.
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References
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Dahrani. (2014). Analisis Pembiayaan Mudharabah pada PT Bank BNI Syariah Kantor Cabang Medan. Jurnal Riset Akuntansi Dan Bisnis, 14(1), 141–142.
Dhita Restyo Rini. (2018). Implementasi Kafalah dalam Mengatasi Wanprestasi pada Bank Garansi di Bank Jatim Cabang Syariah Sidoarjo. UIN Agama Islam Negeri Surabaya.
Faturrahman Djamil. (2012). Penyelesaian Pembiayaan Bermasalah di Bank Syariahe. Sinar Grafika.
Ismail. (2011). Perbankan Syariah. Kencana Prenada Media Group.
James L. Gibson dkk. (1994). Organisasi dan Manajemen: Perilaku, Struktur, Proses (Keempat). Erlangga.
Mahendra Wardhana. (2017). Skema Alternatif Penyaluran Kredit Usaha Rakyat bagi Pelaku UMKM dengan Peran Pemerintah Daerah sebagai Avalis. Jurnal Ilmiah Galuh Justisi, 5, 13.
Maman Surahman. (2012). Aspek Hukum Tanggung Jawab para Pihak dalam Penerbitan Surat Berharga Komersial serta Hubungannya dengan Novasi dan Daluarsa Studi Kasus Gugatan Wanprestasi PT JAIC Indonesia terhadap PT Istaka Karya (persero). Universitas Indonesia.
Qusniyah, A. (2018). Analisis Efektivitas Model-Model Penagihan terhadap Penanganan Pembiayaan Bermasalah—Studi Kasus di Koperasi Simpan Pinjam Pembiayaan Syariah(KSPPS) Muamalah Berkah Sejahtera(MBS) Menanggal Surabaya. UIN Agama Islam Negeri Surabaya.
Shinta Dhewianty. (2012). Sistem Lembaga Keuangan Shari’ah. Jurnal Ekonomi Dan Hukum Islam, 2(1), 49–50.