STANDAR PENILAIAN PEMBIAYAAN KREDIT USAHA RAKYAT (KUR) MIKRO IB IMPLEMENTASI AKAD MURABAHAH DI PT. BANK RAKYAT INDONESIA SYARIAH KANTOR CABANG MALANG

The purpose of this research is to find out how PT. BRISyariah KC Malang in Assessing Micro Business Loan Financing (KUR) iB Implementation of Murabahah Contract in PT. BRISyariah KC Malang and to find out the flow of the Micro iB Micro Business Credit (KUR) Standard Assessment Procedure Implementation of Murabahah Contracts in PT. BRISyariah KC Malang.In the preparation of this study, the authors used a qualitative approach with descriptive methods. From the results of the study showed that the Micro iB Micro Business Credit Standard Assessment (KUR) Implementation of Murabahah Contracts at PT. Malang KC BRISyariah is carried out with several stages, the first stage is Submitting a request for financing. Second, the financing analysis stage. Third, the stage of granting financing decisions. Fourth, the disbursement stage. Fifth, Stage of financing monitoring (monitoring). While in assessing the feasibility of its business PT. BRISyariah KC Malang uses 5c aspects which include: character (the character or nature of the customer), capacity (the customer's ability to pay off debt), capital (the amount of customer funds), collateral (collateral), Condition of economic (economic conditions). Based on the results of the study, it was concluded that in the assessment of iB Micro KUR financing Implementation of murabaha contract at PT. BRISyariah KC Malang in conducting a feasibility assessment according toexisting theories and procedures