Analisa Peran Penilai Agunan dalam Pembiayaan di BPRS Saka Dana Mulia
Abstract
Abstract
In accordance with Bank Indonesia Regulation Number 13/14/PBI/2011 concerning Asset Quality Assessment for BPRS, this study aims to ascertain whether or not the role of collateral appraiser in financing at BPRS Saka Dana Mulia is appropriate, and if so, to what extent. The research methodologies used here are qualitative in nature. Interviews and written records are used as data collecting tools. Triangulation was used to check the data's validity in this investigation. Reducing data, presenting data, and making conclusions are the three stages of data analysis. This research shows that, first, there are structural differences between the roles of collateral appraisers in BPRS Saka Dana Mulia financing and Bank Indonesia Regulation Number 13/14/PBI/2011 concerning Asset Quality Assessment for BPRS, with financing at BPRS being handled by the SDM of Kudus, who is not an independent appraiser. instead, an Account Officer is entrusted with the responsibility of determining the value of collateral. Second, the evaluation of BPRS collateral has been carried out in accordance with Bank Indonesia Regulation No. 13/14/PBI/2011. Consider the 5Cs (cost, condition, market, tax, and liquidation) when estimating collateral's worth.
Keywords: Collateral Appraiser, Collateral Appraisal, Determination of Collateral Value
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Abstrak
Sesuai dengan Peraturan Bank Indonesia Nomor 13/14/PBI/2011 tentang Penilaian Kualitas Aset Bagi BPRS, penelitian ini bertujuan untuk memastikan sudah tepat atau tidaknya peran penilai agunan dalam pembiayaan di BPRS Saka Dana Mulia, dan jika iya, sejauh mana? cakupan. Metodologi penelitian yang digunakan di sini bersifat kualitatif. Wawancara dan catatan tertulis digunakan sebagai alat pengumpulan data. Triangulasi digunakan untuk memeriksa keabsahan data dalam penyelidikan ini. Mereduksi data, menyajikan data, dan membuat kesimpulan merupakan tiga tahapan analisis data. Penelitian ini menunjukkan bahwa, pertama, terdapat perbedaan struktural antara peran penilai agunan pada pembiayaan BPRS Saka Dana Mulia dengan Peraturan Bank Indonesia Nomor 13/14/PBI/2011 tentang Penilaian Kualitas Aktiva bagi BPRS, dimana pembiayaan pada BPRS ditangani oleh Penilai Agunan. SDM Kudus yang bukan merupakan penilai independen. sebaliknya, Account Officer diberi tanggung jawab untuk menentukan nilai agunan. Kedua, penilaian agunan BPRS telah dilakukan sesuai dengan Peraturan Bank Indonesia No.13/14/PBI/2011. Pertimbangkan 5C (biaya, kondisi, pasar, pajak, dan likuidasi) ketika memperkirakan nilai agunan.
Kata kunci: Penilai Agunan, Penilaian Agunan, Penentuan Nilai Agunan.
Copyright (c) 2024 Dr. WAHIDULLAH, S.H.I., M.H.
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