PERAN PERUM PEGADAIAN CABANG KEPANJEN DALAM PEMBERIAN KREDIT MODAL KERJA BAGI USAHA MIKRO, KECIL DAN MENENGAH (UMKM)

JUDUL SKRIPSI SKRIPSI PERAN PERUM PEGADAIAN CABANG KEPANJEN DALAM PEMBERIAN KREDIT MODAL KERJA BAGI USAHA MIKRO, KECIL DAN MENENGAH (UMKM) 

DAFTAR ISI

HALAMAN JUDUL .....................................................................................................i

LEMBAR PERSETUJUAN ......................................................................................... iii

LEMBAR PENGESAHAN ......................................................................................... iv

HALAMAN PERSEMBAHAN ................................................................................. v

MOTTO ........................................................................................................................ vi

KATA PENGANTAR ................................................................................................ vii

DAFTAR ISI ................................................................................................................. viii

DAFTAR TABEL.......................................................................................................... ix

DAFTAR GAMBAR..................................................................................................... x

DAFTAR LAMPIRAN................................................................................................ xii

ABSTRAK..................................................................................................................... xiii

BAB I : PENDAHULUAN ................................................................................ 1

A. Latar Belakang ................................................................................ 1

B. Rumusan Masalah .......................................................................... 6

C. Batasan Masalah.............................................................................. 6

D. Tujuan Penelitian ........................................................................... 6

E. Manfaat Penelitian .......................................................................... 7

BAB II : KAJIAN PUSTAKA ................................................................................ 10

A. Penelitian Terdahulu .................................................................... 10

B. Landasan Teori ............................................................................... 16

1. Pegadaian ................................................................................. 16

a. Pengertian Pegadaian .......................................................... 16

b.Tugas Pokok dan Fungsi Pegadaian ................................... 17

c. Produk Jasa Perum Pegadaian ............................................ 18

2. Kredit ......................................................................................... 22

a. Pengertian Kredit .................................................................. 22

b. Tujuan dan Fungsi Kredit.................................................... 23

c. Prinsip Perkreditan............................................................... 25

3. Modal Kerja .............................................................................. 27

a. Pengertian Modal Kerja ....................................................... 27

b. Jenis-jenis Modal Kerja......................................................... 28

c. Konsep Modal Kerja ............................................................. 29

d. Sumber Modal Kerja ............................................................ 31

e. Penggunaan Modal Kerja..................................................... 33

f. Peranan Modal Kerja............................................................. 34

4. Analisis Dampak Pemberian Kredit Modal Kerja................. 35

5. Usaha Mikro, Kecil dan Menengah (UMKM) ...................... 37

a. Usaha Mikro .......................................................................... 37

b. Usaha Kecil ............................................................................ 38

c. Usaha Menengah................................................................... 40

6. Pembiayaan Modal Kerja Pegadaian Dalam Islam................ 41

a. Pengertian Gadai (Rahn) Syariah....................................... 41

b. Dasar Hukum Gadai ........................................................... 43

c. Fatwa Dewan Syariah Nasional......................................... 45

d. Persamaan dan Perbedaan antara Rahn dan Gadai

Konfensional ....................................................................... 46

e. Pembiayaan Modal kerja Syariah...................................... 48

7. Kerangka berfikir ..................................................................... 51

BAB III : METODE PENELITIAN................................................ 52

A. Lokasi Penelitian............................................................................ 52

B. Jenis Penelitian................................................................................ 52

C. Data dan Sumber Data .................................................................. 53

D. Metode Pengumpulan Data ......................................................... 55

E. Model Analisis Data....................................................................... 57

BAB IV : PAPARAN DATA DAN HASIL PENELITIAN ........................... 59

A. Latar Belakang Perum Pegadaian di Indonesia......................... 59

1 Sejarah Berdirinya Perum Pegadaian........................................ 59

2. Status Hukum Pegadaian .......................................................... 65

3. Lokasi Perum Pegadaian............................................................ 65

4. Visi dan Misi Perum Pegadaian................................................ 65

5. Unit Pembantu Cabang Pegadaian Kepanjen ......................... 66

6. Struktur Organisasi Perum Pegadaian Cabang

Kepanjen....................................................................................... 67

B. Pembahasan Hasil Penelitian........................................................ 69

1. Peran perum pegadaian cabang kepanjen

Terhadap UMKM........................................................................ 69

2. Dampak Pemberian Kredit Modal Kerja

Bagi UMKM.............................................................................. 81

3. Pemberian Kredit Modal Kerja Dalam

Pandangan Islam.......................................................88

BAB V : PENUTUP .......................................................................................... 94

A. Kesimpulan..................................................................................... 94

B. Saran................................................................................................. 95

DAFTAR PUSTAKA.................................................................................................... 97

DAFTAR TABEL

Tabel 1.1 : Kredit UKM Pegadaian Yang tersalurkan pada Tahun

2008 – Maret 2008 ............................................................................................... 4

Tabel 2.1 : Persamaan dan Perbedaan Penelitian Terdahulu .............................................. 5

Tabel 4.1 : Data Kredit Kreasi Bulan Januari 2008 – Juni 2009 ........................................... 78

Tabel 4.2 : Data Kredit Krista Bulan Desember 2008 – Juni 2009....................................... 80

Tabel 4.3 : Perubahan Aset Sesudah Memperoleh Kredit Modal Kerja............................ 83

DAFTAR GAMBAR

Gambar 2.2 : Kerangka Berpikir ............................................................................................. 51

Gambar 4.1 : Struktur Organisasi Perum Pegadaian Cabang Kepanjen........................... 67

DAFTAR LAMPIRAN

Lampiran 1 : Surat Pernyataan............................................................................................... 99

Lampiran 2 : Bukti Konsultasi ............................................................................................... 100

Lampiran 3 : Surat Keterangan Penelitian .......................................................................... 101

Lampiran 4 : Pedoman Wawancara...................................................................................... 102

Lampiran 5 : File Note Hasil Wawancara ............................................................................ 104

Lampiran 6 : Laporan Bulanan Kreasi.................................................................................. 113

Lampiran 7 : Laporan Bulanan Krista .................................................................................. 114

Lampiran 8 : Dokumentasi Penelitian .................................................................................. 115

 

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