Electronic Theses and Dissertation

Bab v penutup 5.1 kesimpulan berdasarkan hasil praktik kerja lapangan yang telah dilaksanakan di pt. bank muamalat indonesia tbk kcu banda aceh, maka dapat disimpulkan bahwa: 1. prosedur pembiayaan solusi emas hijrah (soleh) di pt. bank muamalat indonesia tbk kcu banda aceh dilakukan melalui beberapa tahapan, yaitu pengajuan permohonan pembiayaan, melengkapi dokumen persyaratan, proses verifikasi dan analisis kelayakan nasabah, persetujuan pembiayaan, pelaksanaan akad murabahah, realisasi pembiayaan, hingga pembayaran angsuran oleh nasabah. 2. persyaratan pembiayaan soleh meliputi dokumen identitas diri, dokumen pendukung, serta ketentuan lainnya yang harus dipenuhi oleh nasabah sebelum proses pembiayaan dilakukan. kelengkapan persyaratan tersebut bertujuan untuk memudahkan pihak bank dalam melakukan proses verifikasi dan analisis pembiayaan. 3. mekanisme realisasi dan pencairan pembiayaan soleh dilakukan setelah nasabah dinyatakan layak menerima pembiayaan berdasarkan hasil analisis pihak bank. selanjutnya dilakukan proses akad murabahah, realisasi pembiayaan, serta pembayaran angsuran sesuai dengan ketentuan yang berlaku di pt. bank muamalat indonesia tbk kcu banda aceh dan tetap sesuai dengan prinsip syariah. 5.2 saran berdasarkan hasil praktik kerja lapangan yang telah dilaksanakan, maka penulis memberikan beberapa saran sebagai berikut: 1. pt. bank muamalat indonesia tbk kcu banda aceh diharapkan dapat terus meningkatkan pelayanan kepada nasabah, khususnya dalam memberikan informasi mengenai produk pembiayaan syariah agar lebih mudah dipahami oleh masyarakat. 2. pihak bank diharapkan dapat terus mempertahankan prinsip kehati-hatian dalam proses pembiayaan guna meminimalisir risiko pembiayaan bermasalah. 3. bagi mahasiswa yang melaksanakan praktik kerja lapangan, diharapkan dapat memanfaatkan kegiatan praktik kerja lapangan untuk menambah pengetahuan, pengalaman, dan pemahaman mengenai dunia kerja perbankan syariah secara langsung.

CHAPTER V CONCLUSION AND SUGGESTIONS 5.1 Conclusion Based on the results of the internship conducted at PT Bank Muamalat Indonesia Tbk, Banda Aceh Branch Office (KCU Banda Aceh), the following conclusions can be drawn: 1. The financing procedure for Solusi Emas Hijrah (SOLEH) at PT Bank Muamalat Indonesia Tbk, KCU Banda Aceh consists of several stages, namely: submitting the financing application, completing the required documents, customer verification and feasibility analysis, financing approval, execution of the murabahah contract, financing disbursement, and installment payments by the customer. 2. The requirements for SOLEH financing include personal identification documents, supporting documents, and other requirements that must be fulfilled by the customer before the financing process can proceed. The completeness of these requirements enables the bank to conduct the verification and financing analysis more effectively. 3. The realization and disbursement of SOLEH financing are carried out after the customer is declared eligible based on the bank's financing assessment. The process is then followed by the execution of the murabahah contract, financing disbursement, and installment payments in accordance with the policies of PT Bank Muamalat Indonesia Tbk, KCU Banda Aceh, while remaining fully compliant with Islamic banking principles. 5.2 Suggestions Based on the internship experience, the author would like to offer the following suggestions: 1. PT Bank Muamalat Indonesia Tbk, KCU Banda Aceh is expected to continue improving its customer service, particularly in providing information about Islamic financing products in a way that is easier for the public to understand. 2. The bank is expected to maintain its prudential principles throughout the financing process in order to minimize the risk of non-performing financing. 3. Students undertaking internships are encouraged to make the most of the internship program to enhance their knowledge, practical experience, and understanding of the operations of Islamic banking institutions.