Credit or Financing Analysis in Banking Institutions in the Perspective of Qiyas
Banks, including Islamic banks, prioritize caution when lending money by using credit analysis methods like the 5C and 7P frameworks. Before approving a loan or financing request, banks assess applicants to minimize the chance of defaults. Questions arise regarding the law of credit analysis in bank...
Saved in:
| Main Authors: | , , , , |
|---|---|
| Format: | Article |
| Language: | Indonesian |
| Published: |
Universitas Islam Negeri Raden Fatah
2024-11-01
|
| Series: | Nurani |
| Subjects: | |
| Online Access: | https://jurnal.radenfatah.ac.id/index.php/Nurani/article/view/24718 |
| Tags: |
Add Tag
No Tags, Be the first to tag this record!
|
| _version_ | 1823857011805126656 |
|---|---|
| author | Kusnoto Mohamad Anton Athoillah Ending Sholehudin Uu Nurul Huda Bambang Waluyo |
| author_facet | Kusnoto Mohamad Anton Athoillah Ending Sholehudin Uu Nurul Huda Bambang Waluyo |
| author_sort | Kusnoto |
| collection | DOAJ |
| description | Banks, including Islamic banks, prioritize caution when lending money by using credit analysis methods like the 5C and 7P frameworks. Before approving a loan or financing request, banks assess applicants to minimize the chance of defaults. Questions arise regarding the law of credit analysis in banks from the perspective of the Qur’an, which is the source of Islamic economic law. This research is qualitative research with a normative juridical approach by examining legal verses in the Qur’an and linking them to qiyas. The research results show that verse 5 and 6 of the an-Nisa contain a prohibition on handing over assets to people who are not competent to manage them and contain orders to carry out tests before handing over a funds. 'The law contained in the condition is that in the case of incompetence in managing funds, testing is required before handing over the funds. Overall, the study concludes that credit analysis practices in banks align well with these principles, making them not only advisable but also encouraged under Islamic law. |
| format | Article |
| id | doaj-art-be41f2b718bc4b2f86a6028dd55e8a62 |
| institution | Kabale University |
| issn | 1693-8437 2460-9102 |
| language | Indonesian |
| publishDate | 2024-11-01 |
| publisher | Universitas Islam Negeri Raden Fatah |
| record_format | Article |
| series | Nurani |
| spelling | doaj-art-be41f2b718bc4b2f86a6028dd55e8a622025-02-12T03:19:07ZindUniversitas Islam Negeri Raden FatahNurani1693-84372460-91022024-11-0124239141210.19109/nurani.v24i2.2471821835Credit or Financing Analysis in Banking Institutions in the Perspective of QiyasKusnoto0Mohamad Anton Athoillah1Ending Sholehudin2Uu Nurul Huda3Bambang Waluyo4UIN Sunan Gunung Djati Bandung, IndonesiaUIN Sunan Gunung Djati Bandung, IndonesiaUIN Sunan Gunung Djati Bandung, IndonesiaUIN Sunan Gunung Djati Bandung, IndonesiaPoliteknik Negeri Jakarta, IndonesiaBanks, including Islamic banks, prioritize caution when lending money by using credit analysis methods like the 5C and 7P frameworks. Before approving a loan or financing request, banks assess applicants to minimize the chance of defaults. Questions arise regarding the law of credit analysis in banks from the perspective of the Qur’an, which is the source of Islamic economic law. This research is qualitative research with a normative juridical approach by examining legal verses in the Qur’an and linking them to qiyas. The research results show that verse 5 and 6 of the an-Nisa contain a prohibition on handing over assets to people who are not competent to manage them and contain orders to carry out tests before handing over a funds. 'The law contained in the condition is that in the case of incompetence in managing funds, testing is required before handing over the funds. Overall, the study concludes that credit analysis practices in banks align well with these principles, making them not only advisable but also encouraged under Islamic law.https://jurnal.radenfatah.ac.id/index.php/Nurani/article/view/24718bankcredit analysisqiyas |
| spellingShingle | Kusnoto Mohamad Anton Athoillah Ending Sholehudin Uu Nurul Huda Bambang Waluyo Credit or Financing Analysis in Banking Institutions in the Perspective of Qiyas Nurani bank credit analysis qiyas |
| title | Credit or Financing Analysis in Banking Institutions in the Perspective of Qiyas |
| title_full | Credit or Financing Analysis in Banking Institutions in the Perspective of Qiyas |
| title_fullStr | Credit or Financing Analysis in Banking Institutions in the Perspective of Qiyas |
| title_full_unstemmed | Credit or Financing Analysis in Banking Institutions in the Perspective of Qiyas |
| title_short | Credit or Financing Analysis in Banking Institutions in the Perspective of Qiyas |
| title_sort | credit or financing analysis in banking institutions in the perspective of qiyas |
| topic | bank credit analysis qiyas |
| url | https://jurnal.radenfatah.ac.id/index.php/Nurani/article/view/24718 |
| work_keys_str_mv | AT kusnoto creditorfinancinganalysisinbankinginstitutionsintheperspectiveofqiyas AT mohamadantonathoillah creditorfinancinganalysisinbankinginstitutionsintheperspectiveofqiyas AT endingsholehudin creditorfinancinganalysisinbankinginstitutionsintheperspectiveofqiyas AT uunurulhuda creditorfinancinganalysisinbankinginstitutionsintheperspectiveofqiyas AT bambangwaluyo creditorfinancinganalysisinbankinginstitutionsintheperspectiveofqiyas |