Shofiyah, Aniyatus (2015) Analisis Kompetitor Lembaga Keuangan Syariah: Studi Kasus Pada Kjks Bmt Bina Insan Mandiri Tuban Dan Bank Thithil Di Kabupaten Tuban. Sarjana thesis, Universitas Brawijaya.
Abstract
Penelitian ini bertujuan untuk mengetahui eksistensi bank thithil (rentenir) di Kabupaten Tuban, faktor-faktor yang mempengaruhi minat masyarakat terhadap bank thithil, minat masyarakat terhadap KJKS BMT Bina Insan Mandiri Tuban (BMT BIM), serta upaya BMT BIM dalam menggeser eksistensi bank thithil dan meningkatkan minat masyarakat terhadap BMT. Penelitian ini menggunakan metode kualitatif dengan teknik wawancara mendalam (indepth interview). Penelitian ini juga menggunakan metode penelitian studi kasus untuk mengetahui gejala atau situasi sosial. Hasil penelitian ini adalah eksistensi bank thithil di Kabupaten Tuban masih ada dan diminati oleh para pedagang pasar tradisional di Kabupaten Tuban. Beberapa faktor-faktor yang mempengaruhi minat masyarakat terhadap bank thithil adalah kemudahan transaksi dan proses pencairan, pola hubungan yang erat antara masyarakat dengan bank thithil dan fleksibilitas proses angsuran pinjaman. Selama ini, masyarakat masih meminati produk simpanan daripada produk pembiayaan BMT BIM. Upaya BMT BIM dalam menggeser eksistensi bank thithil di antaranya penetapan strategi pembiayaan tanpa agunan, sistem jaminan berupa tabungan, variasi produk yang sesuai dengan kebutuhan masyarakat, program pembinaan dan pelatihan manajemen pada anggota, serta sistem pelayanan home service.
English Abstract
This research has a purpose to determine the existence of bank thithil (rentenier) in Tuban, the factors that can affect the public interest in bank thithil, public’s interest in KJKS BMT Bina Insan Mandiri Tuban (BMT BIM), the efforts of BIM BMT in shifting the existence of bank thithil and increasing public interest in BMT. This research used a qualitative method with in-depth interview technique. This research also used case study method to know the symptoms or social situations. The result of this research has shown that bank thithil still exist in Tuban and the traditional traders in Tuban are interested in bank thithil. Some of the factors that affect the public interest in bank thithil is the simplicity of transaction and diluting process, the pattern of close relationship between traders and bank thithil, also the flexibility of loan installments process. During this time, people are still interested in savings products rather than financing products of BMT BIM. The effort of BMT BIM in shifting the existence of bank thithil are establishing financing without collateral, establishing the collateral with saving product, the variety of products that appropriate to people’s needs, coaching and management training programs to members of BMT BIM, and home service system to the members.
| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | SKR/FE/2015/548/ 051508382 |
| Subjects: | 600 Technology (Applied sciences) > 657 Accounting |
| Divisions: | Fakultas Ekonomi dan Bisnis > Akuntansi |
| Depositing User: | Kustati |
| Date Deposited: | 24 Nov 2015 09:17 |
| Last Modified: | 24 Nov 2015 09:17 |
| URI: | http://repository.ub.ac.id/id/eprint/108158 |
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