Faktor 5C dalam Pembiayaan Kepemilikan Rumah di Bank BJB Syariah Kantor Cabang Pembantu Rancaekek

Authors

  • Ida Rapida Djachrab Universitas Ma’soem

DOI:

https://doi.org/10.32483/maps.v4i2.56

Keywords:

Pembiayaan Kepemilikan Rumah, 5C

Abstract

This study aims to provide an overview of the procedure for submitting financing and the application of the 5C principle (character, capacity, capital, collateral, condition) in Bank bjb Syariah Rancaekek in financing iB Maslahah homeownership.This type of research is descriptive qualitative. Data collection techniques through observation, interviews, literature study, and documentation study. Data analysis used Miles and Huberman interaction.The research results show that the iB Maslahah home ownership financing in Islamic bank bjb has implemented the 5C aspect. However, of the five aspects, the dominant one taken into consideration is the character aspect. Analysis of character aspects is carried out through curriculum vitae, customer reputation in the work environment, conducting bank to bank information, looking for customer information in the neighborhood where he lives, looking at customer responsibilities, family circumstances, customer hobbies. Capacity is a slip or a detailed list of the customer's salary, other business fields owned, savings and current accounts related to the business carried out by the customer. Capital through the ownership status of the house where the previous customer lived, the type of transportation or vehicle the current customer has savings or savings owned. Collateral through collateral in the form of a house to be purchased by a customer with a loan from a bank. Condition through conjunctive conditions, government regulations, world political and economic situations, and other conditions that affect the market.

References

Soetrisno, Eddy. (2010). Kamus Populer Bahasa Indonesia. Bandung: Sinergi Pustaka Indonesia.

Peraturan Otoritas Jasa Keuangan Nomor 18 Tahun 2016

Darmawi, Herman. (2006). Manajemen Risiko, Jakarta: Bumi Aksara.

Guntara, I Made Adi dan Griadhi Ni Made Ari Yuliartini. (2019). Penerapan Prinsip 5C Sebagai Upaya Perlindungan Terhadap Bank didalam Menyalurkan Kredit. Jurnal Kertha Semaya. Vol. 7 No. 8. E-ISSN:2302-0569

Rohmatan. (2015). Analisis Implementasi Prinsip 5C dalam Upaya Pencegahan Pembiayaan Mudharabah Bermasalah di KSPS BMT Bina Ummat Sejahtra (BUS) Cabang Cepu. Skripsi. UIN Walisongo Semarang. Tidak diterbitkan.

Amiruddin. (2018). Kelayakan Nasabah Dalam Pemberian Pembiayaan Kredit Kepemilikan Rumah pada Kantor Bank Pembiayaan Rakyat Syariah Investama Mega Bakti Makassar. AL-MASHRAFIYAH: Jurnal Ekonomi, Keuangan, dan Perbankan Syariah. Volume 2, Nomor 2.

Febriana, Fitrita. (2018). Analisis Penilaian Prinsip 5C Dalam Keputusan Pemberian Pembiayaan Murabahah pada KSPPS Tunas Artha Mandiri cabang Tulungagung. IAIN Tulungagung. Institutional Repository. http://repo.iain-tulungagung.ac.id/7725/

Wahyuni, Niniek. (2017). Penerapan prinsip 5c dalam pemberian kredit sebagai perlindungan bank. Lex Journal. Vol. 1 No. 1. E-ISSN: 2580-9113

Solikhah, Mar’atus (2020). Analisis Prinsip 5C Terhadap Kelayakan Nasabah Pembiayaan KPR Bersubsidi pada Bank BTN KCPS Madiun. IAIN Ponorogo.

Sugiyono. (2017). Metode Penelitian Manajemen. Bandung: Alfabeta

Downloads

Published

2021-03-31

Issue

Section

Articles