ANALISIS IMPLEMENTASI PRINSIP KELAYAKAN NASABAH PADA KEPEMILIKAN PEMBIAYAAN RUMAH BERSUBSIDI DI BANK BTN SYARIAH CABANG BEKASI PERIODE 2022-2023

Irawan, Alya Devi (2024) ANALISIS IMPLEMENTASI PRINSIP KELAYAKAN NASABAH PADA KEPEMILIKAN PEMBIAYAAN RUMAH BERSUBSIDI DI BANK BTN SYARIAH CABANG BEKASI PERIODE 2022-2023. Sarjana (S1) thesis, Universitas Islam 45.

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Abstract

This study aims to understand the principles applied by Bank BTN Syariah Bekasi Branch in assessing the eligibility of customers for subsidized mortgage financing (KPR) and whether these principles are being effectively implemented. In this regard, Islamic banks need to carefully consider whether the data provided aligns with the facts on the ground. This is important because if the data is inaccurate, the financing may be deemed inappropriate for disbursement. This research uses a descriptive method with a qualitative approach. The author collects data through observation, interviews, and documentation, with three informants: one Staff Analyst and two Financing Service staff, conducted at Bank BTN Syariah Bekasi Branch. The results of the study show that before assessing the eligibility of a customer, Bank BTN Syariah Bekasi first verifies the application documents. In the eligibility assessment, the bank applies the 5C principles to determine whether or not a customer is suitable for mortgage financing. These 5C principles include: Character, Capacity, Capital, Collateral, and Condition of Economy. These principles play a significant role in the eligibility assessment. Furthermore, the bank also emphasizes the principle of prudence among its staff to avoid mistakes in distributing subsidized mortgage financing at Bank BTN Syariah Bekasi Branch.

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