MANAJEMEN RISIKO PADA PEMBIAYAAN MUSYARAKAH DI BMT BATIK MATARAM YOGYAKARTA
Abstract
Financing risk managent is a process in which financing risk is identified, measured, and monitored. In BMT Batik Mataram Yogyakarta musyarakah financing is financing distribution product which becomes priority, and certainly, the risk management on musyarakah financing will affect the continuity of operational and stability of BMT Batik Mataram Yogyakarta.
This study aims to explain analysis contucted towards musyarakah financing BMT Batik Mataram Yogyakarta and to discover the implementation of risk management on musyarakah financing and the treatment towards problematic musyarakah financing. This study is the descriptive qualitative reseach. The data gathering technique used was observation, interview and documentation methods. The data gathering was conducted directly to the informants who were the head of management, staff and one of the members of musyarakah financing in BMT Batik Mataram Yogyakarta. After the data were obtained, the researcher conducted editing and presenting the data based on the character and type pf each datum.
The result of the study showed that the risk management in musyarakah financing was categorized as good enough and conceptualized. It was proven with the development of BMT Batik Mataram Yogyakarta whics improving to a better quality marked by the decreasing of NPF (non performing finance) within the last 3 years and the increased of the total musyarakah financing distributed for the last 5 years however, in terms of the implementation of musyarakah financing, it needs improvement for the policies which are contradictory with the rules of musyarakah financing. In terms of the musyarakah financing member feasibility analysis, BMT Batik Mataram Yogyakarta uses 5C principles wich are character, capital, capacity, condition, and collateral. In the implementation of risk management of musyarakah financing, BMT Batik Mataram Yogyakarta underwent some processes such as risk identification, risk measurement, risk monitoring and risk handling for problematic musyarakah financing.
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