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

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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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