?url_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Adc&rft.title=UPAYA+PENYELESAIAN+PEMBIAYAAN+TANPA+AGUNAN%0D%0A%0D%0ABERDASARKAN+AKAD+MURABAHAH%0D%0A(STUDI+PADA+BPRS+TANGGAMUS)&rft.creator=PRAMAISHELA+%2C+NABILAH+PUTRI&rft.subject=340+Ilmu+hukum&rft.subject=346+Hukum+privat%2C+hukum+perdata&rft.description=Pembiayaan+tanpa+agunan+dengan+akad+murabahah+merupakan+salah+satu+produk%0D%0Apembiayaan+di+BPRS+Tanggamus+yang+dalam+pelaksanaannya+tidak+memerlukan%0D%0Ajaminan+tambahan+dalam+bentuk+fisik%2C+namun+lebih+didasarkan+pada+kepercayaan%0D%0Adan+evaluasi+terhadap+nasabah.+Dalam+pelaksanaannya%2C+bank+selalu+memiliki+risiko%0D%0Aberupa+pengembalian+yang+tidak+lancar+yang+berujung+pada+pembiayaan+yang%0D%0Amacet.+Penelitian+ini+bertujuan+untuk+mengetahui+dan+menganalisis+pengaturan+dan%0D%0Aimplementasi+pembiayaan+tanpa+agunan+di+BPRS+Tanggamus+dan+upaya%0D%0Apenyelesaian+pembiayaan+tanpa+agunan+dengan+akad+murabahah+yang+bermasalah%0D%0Apada+BPRS+Tanggamus.%0D%0APenelitian+yang+digunakan+adalah+penelitian+hukum+normatif+empiris+dengan+tipe%0D%0Apenelitian+deskriptif+dan+menggunakan+pendekatan+nonjudicial+case+study.+Data%0D%0Ayang+digunakan+adalah+data+primer+berupa+wawancara+dan+juga+data+sekunder+yang%0D%0Aterdiri+dari+bahan+hukum+primer%2C+sekunder%2C+tersier.+Pengumpulan+data+dilakukan%0D%0Adengan+studi+pustaka%2C+wawancara+dan+dianalisis+secara+kualitatif.%0D%0AHasil+penelitian+yang+telah+dilakukan+menunjukkan+bahwa+pembiayaan+tanpa%0D%0Aagunan+dapat+diberikan+apabila+bank+memiliki+keyakinan+terhadap+nasabah.%0D%0ABerdasarkan+Fatwa+DSN-MUI%2C+jaminan+(agunan)+bukanlah+hal+yang+pokok+dalam%0D%0Apembiayaan+murabahah.+Upaya+penyelesaian+yang+telah+dilakukan+oleh+BPRS%0D%0ATanggamus+dalam+hal+terjadi+pembiayaan+akad+murabahah+tanpa+agunan+yang%0D%0Abermasalah+adalah+dengan+melakukan+penagihan+secara+intensif+melalui+telepon%0D%0Adan+mendatangi+secara+langsung+ke+rumah+nasabah+untuk+melakukan+penagihan%2C%0D%0Akemudian+mencarikan+solusi%2C+mengirimkan+surat+peringatan%2C+menawarkan%0D%0Arescheduling+dan+melakukan+mediasi.%0D%0AKata+Kunci%3A+BPRS%2C+Murabahah%2C+Pembiayaan+Tanpa+Agunan%2C+Upaya%0D%0APenyelesaian%0D%0A%0D%0Aiii%0D%0A%0D%0AABSTRACT%0D%0A%0D%0AEFFORTS+IN+RESOLVING+UNSECURED+FINANCING+BASED+ON%0D%0A%0D%0AMURABAHAH+CONTRACT%0D%0A(STUDY+AT+BPRS+TANGGAMUS)%0D%0A%0D%0ABy%0D%0A%0D%0APRAMAISHELA+NABILAH+PUTRI%0D%0A%0D%0AUnsecured+Financing+with+Murabahah+Contract+is+one+of+the+financing+products+at%0D%0ABPRS+Tanggamus%2C+which+does+not+require+additional+physical+collateral%2C+but+relies%0D%0Amore+on+trust+and+evaluation+of+the+customer.+In+practice%2C+the+bank+always+faces%0D%0Athe+risk+of+non-performing+repayments+that+may+lead+to+defaulted+financing.+This%0D%0Aresearch+aims+to+understand+and+analyze+the+regulation+and+implementation+of%0D%0Aunsecured+financing+at+BPRS+Tanggamus%2C+as+well+as+efforts+to+resolve+problematic%0D%0Aunsecured+murabahah+financing+at+BPRS+Tanggamus.%0D%0AThe+research+used+empirical+normative+legal+research+with+a+descriptive+research%0D%0Atype+and+employed+a+nonjudicial+case+study+approach.+Data+used+included+primary%0D%0Adata+from+interviews+and+secondary+data+comprising+primary%2C+secondary%2C+and%0D%0Atertiary+legal+materials.+Data+collection+was+conducted+through+literature+review%2C%0D%0Ainterviews%2C+and+analyzed+qualitatively.%0D%0AThe+research+results+show+that+unsecured+financing+can+be+provided+if+the+bank+has%0D%0Aconfidence+in+the+customer.+Based+on+the+Fatwa+DSN-MUI%2C+guarantee+(collateral)%0D%0Ais+not+the+main+thing+in+murabahah+financing.+Efforts+to+resolve+unsecured%0D%0Amurabahah+financing+problems+that+have+been+carried+out+by+BPRS+Tanggamus+in%0D%0Athe+event+of+problematic+unsecured+murabahah+contracts+are+by+conducting%0D%0Aintensive+collection+by+telephone+and+visiting+customers'+homes+directly+to+collect%0D%0Aand+then+search+for+solutions%2C+send+warning+letters%2C+offer+rescheduling+and%0D%0Amediation.%0D%0A%0D%0AKeywords+%3A+BPRS%2C+Murabahah%2C+Unsecured+Financing%2C+Efforts+to+Resolve&rft.publisher=UNIVERSITAS+HUKUM&rft.date=2024-06-24&rft.type=Skripsi&rft.type=NonPeerReviewed&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F85633%2F1%2FABSTRAK%2520-%2520PRAMAISHELA%2520NABILAH%2520PUTRI.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F85633%2F2%2FSKRIPSI%2520FULL%2520-PRAMAISHELA%2520NABILAH%2520PUTRI.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F85633%2F3%2FSKRIPSI%2520TANPA%2520BAB%2520PEMBAHASAN%2520-%2520PRAMAISHELA%2520NABILAH%2520PUTRI.pdf&rft.identifier=++PRAMAISHELA+%2C+NABILAH+PUTRI++(2024)+UPAYA+PENYELESAIAN+PEMBIAYAAN+TANPA+AGUNAN+BERDASARKAN+AKAD+MURABAHAH+(STUDI+PADA+BPRS+TANGGAMUS).++UNIVERSITAS+HUKUM%2C+UNIVERSITAS+LAMPUNG.+++++&rft.relation=http%3A%2F%2Fdigilib.unila.ac.id%2F85633%2F