| dc.description.abstract | This paper aims to analyze how the system of salam financing at Bumi Rinjani
Probolinggo SRB, studying the factors of salam financing distribution‟s problems;
exploring what innovations are needed to increase the implementation of the salam
contract; and examining the innovation applied on salam accounting. This type of research
is qualitative constructive. The unit of analysis in this study is Bumi Rinjani Probolinggo
SRB as the sharia rural bank that provides salam financing. The results showed that Bumi
Rinjani SRB are motivated to implement salam financing due to the needs of farmers to
purchase the production‟s needs and the short financing period, so that salam financing is
the correct type of financing. The financing applied is a single salam contract. Because the
items purchased by the SRB are items such as rice, potatoes, maize, with no intention to
make such items as inventory, then the SRB entrust the goods to the bai salam customer
for resellig by wakalah. There are several factors that become obstacles for SRB related
with salam financing, are; 1) The bad character of bai salam customers; 2) Failed harvests;
3) The fluctuative market prices; 4) The provisions of supervisors that the SRB should
have a Warehouse. The comprehensive eforts to resolve the problems are; 1) Salam bil
wakalah financing; 2) Salam bil Mudharabah financing. | en_US |
