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APPLICATION OF PRUDENTIAL BANKING TO ELIGIBILITY FOR THE DISTRIBUTION OF KUR UMKM BSI BRANCH DIPONEGORO BANDA ACEH. STUDY ON TESTING THE INCOME AND PROFITABILITY OF DEBTOR CUSTOMERS' BUSINESSES

Dusturiyah: Jurnal Hukum Islam, Perundang-undangan dan Pranata Sosial · Vol. 14 No. 2 (2024) · hlm. 229–248

DOI
10.22373/dusturiyah.v14i2.25589
ISSN
2580-5363, 2088-9712
Terbit
2024-12-03
Penerbit
Universitas Islam Negeri Ar-Raniry
Bahasa
eng

Abstrak

This research emphasises the importance of testing customer income and profitability in ensuring financing eligibility and supporting the financial stability of banks and the development of MSMEs in Indonesia. This reseacrh aims to ensure that the financing disbursement process is carried out effectively and in accordance with prudential banking principles with legal provisions. This research method is normative empirical. The results of the research showed that the distribution of KUR was in accordance with the mandate of articles 8 and 29 of Law No. 10 of 1998 on Banking and article 23 of Law No. 21 of 2008 on Sharia Banking. This can be seen from the application of KUR distribution at BSI Diponegoro Branch Banda Aceh which is carried out strictly through testing with five main stages, namely BI checking, surveys, business feasibility analysis, analysis of collateral feasibility, the committee process with the leadership and the analysis of MSMEs income and profitability by paying attention to income sources, income stability, sales trends, seasonal patterns, sales targets, profit patterns, bank transaction history and bank transaction frequency.

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23 penulis · 43 tautan kepenulisan bersama · 11 lintas organisasi

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  • Universitas Islam Negeri Ar-Raniry
  • Sunan Kalijaga State Islamic University Yogyakarta
  • University of Mataram
  • Institut Agama Islam Negeri Langsa
  • Erciyes University
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  • Organisasi berbeda
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Rekan penulisOrganisasiArtikel bersama
Maulidatun RahmiErciyes University1
Yuni RoslailiUniversitas Islam Negeri Ar-Raniry1
Aris MunandarUniversity of Mataram1
Suparwany SuparwanyInstitut Agama Islam Negeri Langsa1
Munanda MunandaUniversitas Islam Negeri Ar-Raniry1
Kamaruzzaman KamaruzzamanUniversitas Islam Negeri Ar-Raniry1
Oktavi MaulizarUniversitas Islam Negeri Ar-Raniry1
Novi HeryantiUniversitas Islam Negeri Ar-Raniry1
Nurul HusnaUniversitas Islam Negeri Ar-Raniry1
Irwansyah IrwansyahUniversitas Islam Negeri Ar-Raniry1
Wahyu MaulanaUniversitas Islam Negeri Ar-Raniry1
Ishma RaihanUniversitas Islam Negeri Ar-Raniry1
Asmanidar AsmanidarAfiliasi tidak diketahui1
Manda Ayu Frastika UtamiAfiliasi tidak diketahui1
Maula SariSunan Kalijaga State Islamic University Yogyakarta1
Khadijatul MusannaSunan Kalijaga State Islamic University Yogyakarta1
Mursyid DjawasUniversitas Islam Negeri Ar-Raniry1
Dedy SumardiUniversitas Islam Negeri Ar-Raniry1
Maizuddin MaizuddinUniversitas Islam Negeri Ar-Raniry1
Rizky Nadia PutriUniversitas Islam Negeri Ar-Raniry1

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Sumber metadata: OAI-PMH (metadata jurnal) https://jurnal.ar-raniry.ac.id/index.php/dustur/oai, pertama di-harvest 7 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
<oai_dc:dc xmlns="http://www.openarchives.org/OAI/2.0/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:oai_dc="http://www.openarchives.org/OAI/2.0/oai_dc/" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.openarchives.org/OAI/2.0/oai_dc/  http://www.openarchives.org/OAI/2.0/oai_dc.xsd">
	<dc:title xml:lang="en">APPLICATION OF PRUDENTIAL BANKING TO ELIGIBILITY FOR THE DISTRIBUTION OF KUR UMKM BSI BRANCH DIPONEGORO BANDA ACEH. STUDY ON TESTING THE INCOME AND PROFITABILITY OF DEBTOR CUSTOMERS' BUSINESSES</dc:title>
	<dc:creator xml:lang="en">Adzkia, Khaliza</dc:creator>
	<dc:creator xml:lang="en">Mukdin, Khairani</dc:creator>
	<dc:creator xml:lang="en">Sholihin, Riadhus</dc:creator>
	<dc:subject xml:lang="en">Kelayakan Penyaluran</dc:subject>
	<dc:subject xml:lang="en">KUR</dc:subject>
	<dc:subject xml:lang="en">prudential banking</dc:subject>
	<dc:subject xml:lang="en">Pendapatan</dc:subject>
	<dc:subject xml:lang="en">Profitabilitas</dc:subject>
	<dc:subject xml:lang="en">UMKM</dc:subject>
	<dc:subject xml:lang="en">Sharia Economic Law</dc:subject>
	<dc:description xml:lang="en">This research emphasises the importance of testing customer income and profitability in ensuring financing eligibility and supporting the financial stability of banks and the development of MSMEs in Indonesia. This reseacrh aims to ensure that the financing disbursement process is carried out effectively and in accordance with prudential banking principles with legal provisions. This research method is normative empirical. The results of the research showed that the distribution of KUR was in accordance with the mandate of articles 8 and 29 of Law No. 10 of 1998 on Banking and article 23 of Law No. 21 of 2008 on Sharia Banking. This can be seen from the application of KUR distribution at BSI Diponegoro Branch Banda Aceh which is carried out strictly through testing with five main stages, namely BI checking, surveys, business feasibility analysis, analysis of collateral feasibility, the committee process with the leadership and the analysis of MSMEs income and profitability by paying attention to income sources, income stability, sales trends, seasonal patterns, sales targets, profit patterns, bank transaction history and bank transaction frequency. </dc:description>
	<dc:publisher xml:lang="en">Universitas Islam Negeri Ar-Raniry</dc:publisher>
	<dc:date>2024-12-03</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://jurnal.ar-raniry.ac.id/index.php/dustur/article/view/25589</dc:identifier>
	<dc:identifier>10.22373/dusturiyah.v14i2.25589</dc:identifier>
	<dc:source xml:lang="en">Dusturiyah: Jurnal Hukum Islam, Perundang-undangan dan Pranata Sosial; Vol. 14 No. 2 (2024): JURNAL DUSTURIAH; 229-248</dc:source>
	<dc:source>2580-5363</dc:source>
	<dc:source>2088-9712</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://jurnal.ar-raniry.ac.id/index.php/dustur/article/view/25589/10150</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2024 Khaliza Adzkia</dc:rights>
</oai_dc:dc>