| dc.contributor |
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| dc.contributor |
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| dc.creator |
Dwiantoro, Akbar |
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| dc.date |
2016-02-16 |
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| dc.identifier |
http://karyailmiah.unisba.ac.id/index.php/hukum_ekonomi_syariah/article/view/2482 |
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| dc.description |
Bank Syariah BRI branch offices parent Citarum always active in micro financing, which apply mudharabah, and did not rule out the possibility of information asymmetry occurs between the Bank BRI Syariah user customers Mudharabah financing agreement. Thus, the management of BRI Syariah particularly from the analysis of feasibility of providing customer financing required conducting a study with methods of information asymmetry, so that funding channeled through the mudharabah avoid financing problems. asymmetric information control can cope with the level of financing risk factor in terms of financing the weak supervision, analysis of financial statements that are less accurate, target financing are not clear and the competence of human resources is still weak. Using the methods of information asymmetry in the process of analyzing the financing of candidates beneficiary customer by promoting the principle-the principle of truth, honesty, fairness and proportionately and professionally done. Based on the background of the problem, then the problems are in the form of the following questions. (1) How is the application of information asymmetry in the delivery mechanism of financing PT. BRI Syariah Branch Office of Parent Citarum? (2) How the effectiveness of the distribution of financing in PT BRI Syariah Branch Office of Parent Citarum? What are the effects of the application of asymmetric information on the effectiveness of the distribution of financing in PT. Bank BRI Syariah Branch Office of Parent Citarum? The method used in this research is the analysis methods verification, and data collection through interviews, questionnaires, and literature study, while data analysis using validity, reliability, analysis of simple linear regression, Pearson correlation, t-test, coefficient of determination, hypothesis test and decision-making. The conclusion of this study demonstrates the applicability of information asymmetry in the delivery mechanism of financing PT. BRI Syariah Branch Office of Parent Citarum has been very good. The effectiveness of the distribution of financing in PT BRI Syariah Branch Office of Parent Citarum based on a research study has been very effective. In addition, the application of information asymmetry has a significant impact on the effectiveness of the distribution of financing in PT. Bank BRI Syariah Branch Office of Parent Citarum. |
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| dc.description |
Bank BRI Syariah kantor cabang induk Citarum selalu aktif melakukan pembiayaan mikronya, yang menerapkan akad mudharabah, dan tidak menutup kemungkinan asimetri informasi terjadi antara pihak Bank BRI Syariah dengan para nasabah pengguna akad pembiayaan Mudharabah. Dengan demikian, pihak manajemen BRI Syariah terutama dari sisi analisa kelayakan pemberian pembiyaan nasabah dituntut untuk melakukan kajian dengan metode informasi asimetri, agar pembiayaan yang disalurkan melalui akad mudharabah tersebut terhindar dari pembiayaan bermasalah. pengendalian informasi asimeti ini dapat menanggulangi tingkat risiko pembiayaan dari segi faktor pengawasan pembiayaan yang lemah, analisa laporan keuangan yang kurang cermat, sasaran pembiayaan yang tidak jelas dan kompetensi dari sumber daya manusia yang masih lemah. Penggunaan metode informasi asimetri dalam proses analisa pembiayaan terhadap para calon nasabah penerima dana dengan mengedepankan prisip-prinsip kebenaran, kejujuran, keadilan dan dilakukan secara proporsional dan professional. Berdasarkan latar belakang masalah, maka dirumusan masalah ke dalam bentuk pertanyaan sebagai berikut : Bagaimana penerapan informasi asimetri dalam mekanisme pemberian pembiayaan mudharabah PT. BRI Syariah Kantor Cabang Induk Citarum ? Bagaimana efektivitas penyaluran pembiayaan mudharabah pada PT BRI Syariah Kantor Cabang Induk Citarum ? Dan bagaimana pengaruh penerapan informasi asimetri terhadap efektivitas penyaluran pembiayaan mudharabah di PT. Bank BRI Syariah Kantor Cabang Induk Citarum ?. Metode penelitian yang digunakan dalam penelitian ini adalah metode analisis verifikatif, dan teknik pengumpulan data melalui wawancara, kuesioner, dan studi kepustakaan, sedangkan analisis data menggunakan uji validitas, reabilitas, analisa regresi linier sederhana, korelasi pearson, uji t, koefesien determinasi, uji hipotesis dan pengambilan keputusan. Kesimpulan dari penelitian ini menunjukkan penerapan informasi asimetri dalam mekanisme pemberian pembiayaan mudharabah PT. BRI Syariah Kantor Cabang Induk Citarum sudah sangat baik. Efektivitas penyaluran pembiayaan mudharabah pada PT BRI Syariah Kantor Cabang Induk Citarum berdasarkan hasil penelitian menujukkan sudah sangat efektif. Dan penerapan informasi asimetri memiliki pengaruh yang signifikan terhadap efektivitas penyaluran pembiayaan mudharabah di PT. Bank BRI Syariah Kantor Cabang Induk Citarum. |
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| dc.format |
application/pdf |
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| dc.language |
ind |
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| dc.publisher |
Prosiding Hukum Ekonomi Syariah |
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| dc.publisher |
Prosiding Keuangan & Perbankan Syariah |
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| dc.relation |
http://karyailmiah.unisba.ac.id/index.php/hukum_ekonomi_syariah/article/view/2482/pdf |
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| dc.source |
Prosiding Hukum Ekonomi Syariah; Vol 2, No 1, Prosiding Hukum Ekonomi Syariah (Februari, 2016); 299-306 |
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| dc.source |
Prosiding Keuangan & Perbankan Syariah; Vol 2, No 1, Prosiding Hukum Ekonomi Syariah (Februari, 2016); 299-306 |
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| dc.source |
2460-2159 |
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| dc.subject |
Proceedings of the Financial Institutions and Syariah Banking |
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| dc.subject |
Asymmetry Information, Effectiveness, Mudharabah Financing |
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| dc.subject |
Keuangan Perbankan Syariah |
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| dc.subject |
Informasi, Asimetri, efektivitas, pembiayaan mudharabah |
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| dc.title |
The Effect of the Application of Asymmetry Information on the Effectiveness of Mudharabah Distribution in PT BRI Syariah Main Branch Office Citarum |
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| dc.title |
Pengaruh Penerapan Informasi Asimetri terhadap Efektivitas Penyaluran Pembiayaan Mudharabah PT. BRI Syariah Kantor Cabang Induk Citarum |
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| dc.type |
info:eu-repo/semantics/article |
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| dc.type |
info:eu-repo/semantics/publishedVersion |
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| dc.type |
Peer-reviewed Article |
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| dc.type |
Quantitative |
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| dc.type |
Kuantitatif |
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