Creditric Calculation Model in Micro Financing IB on the Agricultural Sector in PT. BRI Shariah

Cudio Slamet Rajiansah, Eeng Ahman, Neni Sri Wulandari

Abstract

Micro-enterprises, especially the agricultural sector is one of the centers of attention in the development and economy of Indonesia. One of the main problems in the agricultural sector is financing. Attention to the agricultural sector businesses are considered less, than that the agricultural sector has a fairly high risk. The purpose of this study was to analyze assessment with the principle of 5C, the risk of Islamic finance agriculture and calculating potential losses in the agricultural sector of Islamic finance BRI Syariah UMS KK Outlet Lembang. Bank BRI Syariah Lembang UMS KK Outlet is one of sharia institutions that provide microfinance iB allocation to the agricultural sector. This study uses primary data and secondary data. This study was conducted by quantitative descriptive method. Data analysis techniques to analyze the risks of Islamic finance is done by using stages Enterprise Risk Management (ERM) and methods creditrisk +. The results showed that BRI Syariah KK Lembang focus on 3C (character, capacity, and colleteral) and sharia. There are 31 events in the risk of Islamic micro financing in the agricultural sector. One incident contained in the unacceptable level, this level is conducted and immediate action is needed to manage the risks, there is one event that a customer fails to pay. This can happen because the business went bankrupt, failing to harvest the influence of climate/weather, pests and fluktuaktif market price. Potential losses in the agricultural sector microfinance bank BRI Syariah KK Lembang in estimates is high at 91.92%. Risk mitigation measures that can be done is restructurin, disbursement of voluntary customer guarantee or together.

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Paper Citation


in Harvard Style

Rajiansah C., Ahman E. and Wulandari N. (2017). Creditric Calculation Model in Micro Financing IB on the Agricultural Sector in PT. BRI Shariah.In 1st International Conference on Islamic Economics, Business, and Philanthropy - Volume 1: ICIEBP, ISBN 978-989-758-315-5, pages 446-451. DOI: 10.5220/0007083804460451


in Bibtex Style

@conference{iciebp17,
author={Cudio Slamet Rajiansah and Eeng Ahman and Neni Sri Wulandari},
title={Creditric Calculation Model in Micro Financing IB on the Agricultural Sector in PT. BRI Shariah},
booktitle={1st International Conference on Islamic Economics, Business, and Philanthropy - Volume 1: ICIEBP,},
year={2017},
pages={446-451},
publisher={SciTePress},
organization={INSTICC},
doi={10.5220/0007083804460451},
isbn={978-989-758-315-5},
}


in EndNote Style

TY - CONF

JO - 1st International Conference on Islamic Economics, Business, and Philanthropy - Volume 1: ICIEBP,
TI - Creditric Calculation Model in Micro Financing IB on the Agricultural Sector in PT. BRI Shariah
SN - 978-989-758-315-5
AU - Rajiansah C.
AU - Ahman E.
AU - Wulandari N.
PY - 2017
SP - 446
EP - 451
DO - 10.5220/0007083804460451