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

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

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Estina Nuranita

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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