Factors that influence the Islamic banking in Yogyakarta in financing the customers

NURHAYATI, Aisyah, Jogiyanto Hartono, Prof., Dr., MBA

2009 | Tesis | S2 Magister Manajemen

Perbankan memiliki peran penting dalam pcrkembangan perckonomian dan scbagai tulang punggung sector bisnis untuk mencapai tujuannya. Tujuan dari penelitian ini adalah untuk mcnginvestigasi faktor-faktor apa saja yang dapal mempcngaruhi keputusan pcmbiayaan pada bank-bank syariah khususnya di Yogyakarta dcngan manganalisa‘ berdasarkan factor 5C. Faktor- faktor itu meliputi character, capital. capacity. condition of economic, and collateraf. Kemudian menginvetigasi factor-faktor terbcbul, berdasarkan urutan dari yang tcrpenting hingga yang dianggap kurang panting , kemudian yang lcrakhir untuk mengctahui kekonistenan aplikasi SC dalam realita. Bcrdasarkan Surat Edaran No. l4 Tahun 2008, yang berisikan bahwa semua bank syariah di Indonesia wajib mcmpertimbangkan 4 faktor yaitu character. capacity, capital, dan condition (3/ economy dari konsumen dalam menganalisa apakah akan memberikan pembiayaan kepada konsumen atau tidak. tetapi penelitian ini tetap menggunakan SC karena berdasarkan obervasi yang dilakukan, semua bank syariah masih mempertimbangkan faktor kelima yaitu Collateral scbagai salah satu syarat diterimanya pembiayaan terscbut. Penelilian ini menggunakan analisis diskriminan. Dcngan menggunakan analisis ini dapat menginvcstigasi keliga tujuan dari penelitian ini.

The banking Industry has played a significant role in the national finance and economic activities, and this role places the banking industry as the backbone of the real business sector to achieve its business objective. The research objectives of this thesis are investigating what factors can influence the bank in financing the customers, by analyzing 5C (character, capital, capacity, condition of economics, and collateral), whether it is still compulsory or not in Islamic banking, investigating prior to SC factors, about the order based on the SC’, which one is the most important to the less important regarding in analyzing the customers, and investigating the consistency in implementing the SC’ factors in analyzing the customers. Due to circular letter Number 14 2008, from the Governor Bank Indonesia, stated that all of Islamic Banking in Indonesia is compulsory to consider about the (Character) capacity of the business (Capacior), financial (Capital), and prospect of the business (Condition) of the customers in analyzing credit proposed by the customers, but this research was using 5C afier observing through the reality conducted by Islamic banks. This research was using analysis discriminant. Due to the regulation on Islamic banking in Indonesia, in financing the customers, collateral is not stated as one of the consideration, but the reality, all the banks always ask the collateral to the customers. Even they have the collateral, hence the value of the collateral is also important. It is contradictory to the society’ knowledgeable about Islamic banking system.

Kata Kunci : Bank Syariah di Yogyakarta,Factor 5C (character, capital, capacity condition of economy, collateral), Islamic Banks in Yogr'akarta. 5("factors (Character. capital, capacity. condition of economy. collateral