<mets:mets OBJID="eprint_10931" LABEL="Eprints Item" xsi:schemaLocation="http://www.loc.gov/METS/ http://www.loc.gov/standards/mets/mets.xsd http://www.loc.gov/mods/v3 http://www.loc.gov/standards/mods/v3/mods-3-3.xsd" xmlns:mets="http://www.loc.gov/METS/" xmlns:mods="http://www.loc.gov/mods/v3" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"><mets:metsHdr CREATEDATE="2026-07-10T17:12:33Z"><mets:agent ROLE="CUSTODIAN" TYPE="ORGANIZATION"><mets:name>Repository Universitas Pakuan</mets:name></mets:agent></mets:metsHdr><mets:dmdSec ID="DMD_eprint_10931_mods"><mets:mdWrap MDTYPE="MODS"><mets:xmlData><mods:titleInfo><mods:title>Analisis Prosedur Pembiayaan Pada &#13;
Koperasi Jasa Syariah (KJS) Khairu Ummah Cabang Leuwiliang.</mods:title></mods:titleInfo><mods:name type="personal"><mods:namePart type="given">Risa Aprila</mods:namePart><mods:namePart type="family">Sayidina</mods:namePart><mods:role><mods:roleTerm type="text">author</mods:roleTerm></mods:role></mods:name><mods:name type="personal"><mods:namePart type="given">Herdiyana</mods:namePart><mods:namePart type="family">Herdiyana</mods:namePart><mods:role><mods:roleTerm type="text">author</mods:roleTerm></mods:role></mods:name><mods:name type="personal"><mods:namePart type="given">Bambang</mods:namePart><mods:namePart type="family">Wahyudiono</mods:namePart><mods:role><mods:roleTerm type="text">author</mods:roleTerm></mods:role></mods:name><mods:abstract>RISA APRILA SAYIDINA. 021121115. Analisis Prosedur Pembiayaan Pada &#13;
Koperasi Jasa Syariah (KJS) Khairu Ummah Cabang Leuwiliang. Di bawah &#13;
bimbingan: HERDIYANA dan BAMBANG WAHYUDIONO. 2025&#13;
Penelitian ini bertujuan untuk menganalisis secara mendalam prosedur pembiayaan &#13;
pada Koperasi Jasa Syariah (KJS) Khairu Ummah Cabang Leuwiliang. Koperasi ini &#13;
menjalankan kegiatan pembiayaan berdasarkan prinsip-prinsip syariah seperti akad &#13;
murabahah dan qardhul hasan. Metode penelitian yang digunakan adalah deskriptif &#13;
kualitatif dengan teknik pengumpulan data melalui wawancara, observasi, dan &#13;
dokumentasi. Hasil penelitian menunjukkan bahwa prosedur pembiayaan terdiri dari &#13;
beberapa tahapan, yaitu pengajuan permohonan, verifikasi administrasi, analisis &#13;
kelayakan usaha, survei lapangan, penetapan akad pembiayaan, pencairan dana, dan &#13;
monitoring pembayaran. Prosedur tersebut telah dilaksanakan secara sistematis dan &#13;
sesuai dengan prinsip syariah, meskipun terdapat beberapa kendala seperti &#13;
keterlambatan pembayaran oleh anggota, rendahnya pemahaman terhadap akad &#13;
syariah, serta keterbatasan sumber daya manusia. Oleh karena itu, diperlukan upaya &#13;
peningkatan edukasi keuangan bagi anggota serta penguatan sistem monitoring dan &#13;
evaluasi agar risiko pembiayaan dapat diminimalkan dan efektivitas program &#13;
koperasi dapat ditingkatkan.&#13;
Kata kunci: Prosedur Pembiayaan, Koperasi Syariah, Akad Syariah, Manajemen &#13;
Pembiayaan, Khairu Ummah</mods:abstract><mods:classification authority="lcc">Manajemen keuangan</mods:classification><mods:classification authority="lcc">Manajemen</mods:classification><mods:originInfo><mods:dateIssued encoding="iso8061">2025-07-21</mods:dateIssued></mods:originInfo><mods:originInfo><mods:publisher>Universitas Pakuan;Program Studi Manajemen</mods:publisher></mods:originInfo><mods:genre>Thesis</mods:genre></mets:xmlData></mets:mdWrap></mets:dmdSec><mets:amdSec ID="TMD_eprint_10931"><mets:rightsMD ID="rights_eprint_10931_mods"><mets:mdWrap MDTYPE="MODS"><mets:xmlData><mods:useAndReproduction>
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