MEKANISME PENILAIAN JAMINAN (COLLATERAL) DALAM PEMBIYAAN MIKRO (Study Kasus PT. Bank SyariahMandiri Kantor CabangPembantuTemanggung)

Bank SyariahMandiriTemanggung Helper Branch Office has several financing, one of which is micro financing. Microfinance of sharia independent banks is a general financing. In carrying out financing activities requires a guarantee. Taking note of this, the authors consider the importance of conducting a study entitled "Mechanism of Assessment of Collateral in Micro Financing at Bank SyariahMandiri Branch Temanggung". With the formulation of the problem how the determination of collateral goods in obtaining micro financing in Bank SyariahMandiri KCP Temanggung and how the implementation of micro financing mechanism in Bank SyariahMandiri KCP Temanggung. This research is a field research conducted at Bank SyariahMandiri Branch Offices Temanggung to dig the relevant data from the data source. The authors collect data with observations, documents, and interviews. The data has been collected and then analyzed by qualitative descriptive method. Mechanism of collateral assessment in micro financing at Bank SyariahMandiri Branch Office of Temanggung Assistant that cover character, capacity, capital, condition, collateral. And find out what items will be made as collateral, then the bank analyzes whether the guarantee is feasible to be guaranteed, and able to be accepted by the bank to provide financing to customers. Bank SyariahMandiriTemanggung Helper Branch provides financing to customers with a ceiling of 50% of the sale price. The thing that be guaranted in the form of moving goods and not moving