Abstract
Housing is one of the basic human needs. Meanwhile, in fact, from the data on the number of Sharia mortgage customers at Bank Jabar Syariah, namely the PPR IB Maslahah product for the 2017-2020 period, it fluctuated and tend to decrease. In addition, it needs a good financing risk management implemented by the company. The objective of this research is to find out how the risk management of financing and product management of PPR IB Maslahah Bank BJB Syariah KCP Kuningan. This study uses premier data from interviews conducted to several employees of Bank BJB Syariah KCP Kuningan, by triangulation technique. Meanshile, the results of this study are:1). The financing risk management carried out by Bank BJB Syariah is in accordance with the Financial Services Authority Regulation (POJK) Number 65 / POJK.03 / 2016 concerning the Implementation of Risk Management for Sharia Commercial Banks and Sharia Business Units as stated in article 3 in point c; 2) Management of PPR Products carried out by Bank BJB Syariah Kuningan has been implemented, however in fact they have limited authority from the headquarters. .
Highlights
Banyaknya masyarakat yang berpendapat bahwa dengan menggunakan jasa bank akan membebani dengan bunga yang kadang naik dan tidak menentu, Perbankan syariah mengeluarkan produk berupa KPR Syariah bertujuan tidak membebani masyarakat atas riba
From the data on the number of Sharia mortgage customers at Bank Jabar Syariah, namely the Pembiayaan Pemilikan Rumah (PPR) IB Maslahah product for the 2017-2020 period, it fluctuated and tend to decrease. It needs a good financing risk management implemented by the company
The objective of this research is to find out how the risk management of financing and product management of PPR IB Maslahah Bank BJB Syariah KCP Kuningan
Summary
Syariah terutama dalam pembiayaan KPR, kedepan akan menjadi momentum ketika bonus demografi apakah sesuai dengan kebutuhan manusia untuk bertahan hidup, karena semakin banyaknya populasi manusia di bumi. Jenis pembiayaan yang disalurkan oleh Bank BJB. Syariah KCP Kuningan sebagian besar menggunakan akad mudharabah, murabahah, istishna,wadiah, qardh. Untuk kepemilikan rumah biasanya menggunakan akad murabahah dan istishna, ada pengkhususan juga ketika terjadi pembelian secara cash atau kredit maka akadnya berbeda. Tabel mengenai Nasabah PPR IB Maslahah di Bank BJB Syariah Kuningan pada tiga tahun terakhir : Tabel 1.1
Sign-in/Register to view highlights & summary Sign-in/Register to access full text options 
Talk to us
Join us for a 30 min session where you can share your feedback and ask us any queries you have
Schedule a callDisclaimer: All third-party content on this website/platform is and will remain the property of their respective owners and is provided on "as is" basis without any warranties, express or implied. Use of third-party content does not indicate any affiliation, sponsorship with or endorsement by them. Any references to third-party content is to identify the corresponding services and shall be considered fair use under The CopyrightLaw.
