| Article Details : |
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| | | Article Name : | | | The Effect of Credit System on Performance of
Baitul Mal Wat-Tamwil:
Case Study in Riau Province | | Author Name : | | | KHAIDIR SAIB | | Publisher : | | | Bridge Center | | Article URL : |  | | | Abstract : | | | Baitul Mal wat-Tamwil is a financial institution that assists
in micro, small and medium enterprises. As a financial institution
Baitul Mal wat-Tamwil in some areas has not yet implemented, as in
the Kampar, Kuansing and Pekanbaru areas have some weaknesses.
The weaknesses experienced by this institution such as small business
settlement solutions can not be achieved as Baitul Mal wat-Tamwil is
inactive and disturbed. This study aims to identify the influence of the
credit system applied in Baitul Mal wat-Tamwil institution towards
its performance. The methodology used in this study is the case study
of qualitative methods. These are three commonly used data collection
methods, such as 1) open interviews in depth, 2) direct observations
and 3) written documents (non-numeric data but visual data and word
data). The findings of this study found that credit appraisal was too
loose and no collateral credit was a weakness of the credit system
applied by this institution. | | Keywords : | | | Baitul Mal wat Tamwil, Credit System, SMEs |
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