Analisis Sistem Dan Prosedur Pembiayaan Griya Ib Hasanah Dengan Akad Murabahah Dalam Mendukung Pengendalian Intern (Studi Pada PT. Bank Bni Syariah, Tbk Kantor Cabang Malang)

The purpose of this study was to determine the implementation of internal control in systems and procedures of Griya iB Hasanah with murabaha agreement in PT. Bank BNI Syariah, Tbk Branch Office Malang. This research use descriptive method with qualitative approach. Focus on this study is organizational structure of PT. Bank BNI Syariah, Tbk Branch Office Malang, systems and procedures of Griya iB Hasanah with murabaha agreement in PT. Bank BNI Syariah, Tbk Branch Office Malang, and also all aspect that exist in internal control. The results of this research represent that the systems and procedures of Griya iB Hasanah has gone well from the proposal stage to the monitoring of the financing, but the implementation is still need an improvement. In the application process is required a scrutiny bt the Sales Officer or Consumer Sales Head when the Sales Assistant doing data input to EFO System to be forward to the Processing section. In the approval process is also need a necessary improvement when the Financing Support Assistant is finished making the agreement draft, supervisor namely General Affairs Head or Opertaional Manager should review the agreement draft in order to secure the genuine data on agreement that will be signed