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primary topic: IMPLEMENTASI PRINSIP KEHATI-HATIAN (PRUDENTIAL PRINCIPLE) DALAM PEMBIAYAAN AKAD QARDH DI BANK WAKAF MIKRO (BWM) ALMUNA BERKAH MANDIRI KRAPYAK YOGYAKARTA

IMPLEMENTASI PRINSIP KEHATI-HATIAN (PRUDENTIAL PRINCIPLE) DALAM PEMBIAYAAN AKAD QARDH DI BANK WAKAF MIKRO (BWM) ALMUNA BERKAH MANDIRI KRAPYAK YOGYAKARTA
type: Thesis
type: Article
abstract: Financing is one of the main instruments in Islamic Financial Institutions (IFIs), including financing through qardh contracts that are social and mutual assistance in nature. In the implementation of financing, the prudential principle serves as an important foundation to minimize risks and maintain the financial health of the institution. The prudential principle functions not only as a risk mitigation mechanism, but also as a form of responsibility towards the funds being managed. However, in practice, the implementation of this principle often faces challenges, particularly related to the real conditions of customers in the field that are not always aligned with data, namely non-performing financing. This research aims to examine the implementation of the prudential principle using 5C analysis in qardh contract financing at Bank Wakaf Mikro (BWM) Almuna Berkah Mandiri Krapyak Yogyakarta and to analyze the dispute resolution mechanism when problems occur in financing. This research is an empirical study conducted systematically to collect data in the field. The research approach used is a juridical-empirical approach using applicable laws and regulations, and empirically carried out through observations and interviews at Bank Wakaf Mikro (BWM) Almuna Berkah Mandiri Krapyak Yogyakarta. The research findings indicate that the implementation of the prudential principle in financing at BWM Almuna Berkah Mandiri Krapyak Yogyakarta is in accordance with the mandate of Law Number 1 of 2013 concerning Microfinance Institutions and Financial Services Authority Regulation (POJK) Number 41 of 2024 concerning Microfinance Institutions. The application of the prudential principle is implemented from the beginning of the financing application process, feasibility analysis based on the 5C principle comprehensively in financing provision, where the aspects of character and capacity become priority aspects of financing distribution and financing risk control, as well as collatera…
date: 2026-01-20
status: published
author list: authors
type: EPrint
type: ThesisEPrint
is part of: repository
has document: IMPLEMENTASI PRINSIP KEHATI-HATIAN (PRUDENTIAL PRINCIPLE) DALAM PEMBIAYAAN AKAD QARDH DI BANK WAKAF MIKRO (BWM) ALMUNA BERKAH MANDIRI KRAPYAK YOGYAKARTA (Text)
has version: IMPLEMENTASI PRINSIP KEHATI-HATIAN (PRUDENTIAL PRINCIPLE) DALAM PEMBIAYAAN AKAD QARDH DI BANK WAKAF MIKRO (BWM) ALMUNA BERKAH MANDIRI KRAPYAK YOGYAKARTA (Text)
has published: IMPLEMENTASI PRINSIP KEHATI-HATIAN (PRUDENTIAL PRINCIPLE) DALAM PEMBIAYAAN AKAD QARDH DI BANK WAKAF MIKRO (BWM) ALMUNA BERKAH MANDIRI KRAPYAK YOGYAKARTA (Text)
subject: 297.545 Wakaf

IMPLEMENTASI PRINSIP KEHATI-HATIAN (PRUDENTIAL PRINCIPLE) DALAM PEMBIAYAAN AKAD QARDH DI BANK WAKAF MIKRO (BWM) ALMUNA BERKAH MANDIRI KRAPYAK YOGYAKARTA (Text)
type: Document
has file: 22103040072_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf
has part: 22103040072_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf

IMPLEMENTASI PRINSIP KEHATI-HATIAN (PRUDENTIAL PRINCIPLE) DALAM PEMBIAYAAN AKAD QARDH DI BANK WAKAF MIKRO (BWM) ALMUNA BERKAH MANDIRI KRAPYAK YOGYAKARTA (Text)
type: Document

UIN SUNAN KALIJAGA YOGYAKARTA
type: Organization

FAKULTAS SYARIAH DAN HUKUM, UIN SUNAN KALIJAGA YOGYAKARTA
type: Organization

NIM.: 22103040072 Salma ‘Ulya Nashuha
type: Person
given name: NIM.: 22103040072
family name: Salma ‘Ulya Nashuha

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primary topic: IMPLEMENTASI PRINSIP KEHATI-HATIAN (PRUDENTIAL PRINCIPLE) DALAM PEMBIAYAAN AKAD QARDH DI BANK WAKAF MIKRO (BWM) ALMUNA BERKAH MANDIRI KRAPYAK YOGYAKARTA

297.545 Wakaf
type: Concept