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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