Prosedur Penyaluran Pembiayaan KUR Pada PT Bank Syariah Indonesia Kantor Cabang Dompu

Islamic banks play an important role as facilitators in all economic activities in the halal industry system. The existence of the Islamic Banking industry in Indonesia itself has experienced a significant increase and development in the past three decades. Product innovation, service improvement, and network development show positive trends from year to year. Even the spirit to accelerate is also reflected in the number of Islamic banks that take corporate actions. There is no exception for Islamic banks owned by state-owned banks, namely Mandiri Syariah Bank, BNI Syariah and BRI Syariah.The purpose of conducting this research is to find out the procedure for distributing KUR financing, the Indonesian people understand more about KUR financing because the financing product is a type of financing product issued by the government with a low percentage rate of installments compared to other financing products. The problem in this study is the lack of interest of the Indonesian people to buy or use KUR financing products because more people use this KUR product in conventional banks, so here I am interested in raising the title of the KUR financing distribution procedure due to these problems.The conclusion of this study is the procedure for distributing KUR financing at PT. Bank Syariah Indonesia is generally the same as other financing procedures: proposal submission, survey of business location and residence location, committee meeting to find out whether the financing is feasible or not and finally disbursement. Based on the results of interviews with the finance department, the KUR financing distribution procedure has been carried out properly and correctly. This study uses a descriptive method that is deemed to be in accordance with the topic of discussion and in line with the formulation of the problem contained in the writing of the final project, where this study provides a description and explanation of the practice of disbursing financing according to the title. Keyword: Prosedure, Financing, People’s Business Loans, Bank Syaria