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All Journal Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Martabe : Jurnal Pengabdian Kepada Masyarakat
Yuliana Permata Sari
Universitas Muhammadiyah Surabaya
Agriculture, Biological Sciences & Forestry Arts Humanities Education Social Sciences

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Analysis of Customer Feasibility Classification Using the 5C1S Principle to Obtain Hasanah House Financing at BSI KCP Sidoarjo Krian Yuliana Permata Sari; Arin Setiyowati; Fatkur Huda
Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Vol. 20, No. 2 : Al Qalam (March 2026)
Publisher : Sekolah Tinggi Ilmu Al-Qur'an (STIQ) Amuntai Kalimantan Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35931/aq.v20i2.5361

Abstract

The high demand for housing among the public has led to a significant increase in the need for home financing, making the role of Islamic financial institutions crucial in providing financing solutions that align with Islamic principles. Bank Syariah Indonesia (BSI), through its Griya Hasanah product, offers home ownership financing that is free from interest (riba) and based on Sharia contracts. However, the growing demand also heightens the potential risk of problematic financing, necessitating a strict and accurate classification of customer eligibility. This study aims to analyze the application of the 5C+1S principles in assessing the eligibility of customers for Griya Hasanah financing at BSI KCP Sidoarjo Krian. The method used is qualitative with a case study approach, employing in-depth interviews with the marketing team and Business Operational Staff (BOSM), along with data triangulation through financing documents and field observations. The findings reveal that the implementation of the 5C+1S principles (Character, Capacity, Capital, Collateral, Condition of Economy, and Sharia Compliance) contributes significantly to reducing the risk of problematic financing. The principles of Character and Capacity carry the highest assessment weight, as they are directly related to the customer's integrity and repayment ability. Meanwhile, the Sharia aspect serves as the main differentiator from conventional financial institutions, ensuring that all financing processes adhere to Islamic values.
EDUKASI ZAKAT MELALUI MEDIA AUGMENTED REALITY (AR) UNTUK SISWA SD MUHAMMADIYAH 7 SURABAYA Arin Setiyowati; Muhammad Arfan Muammar; Salma Nadia Salsabilla; Yuliana Permata Sari
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 7, No 12 (2024): MARTABE : JURNAL PENGABDIAN MASYARAKAT
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v7i12.4953-4963

Abstract

Belum adanya media edukasi yang inovatif untuk APE (Alat peraga edukasi) untuk mata pelajaran al-Islam khususnya pada bab Zakat. Sehingga belum memberikan dampak signifikan bagi siswasiswi SDM 7 Surabaya kelas 6. Berangkat dari permasalahan tersebut strategi yang dapat dilakukan yakni pembuatan Media Augmented Reality (AR). Tahapan pengabdian meliputi persiapan, pelaksanaan, mentoring evaluasi dan pelaporaan. augmented reality (ar) mendapatkan respon yang positif dari siswa maupun pihak mitra sd muhammadiyah 7 surabaya. karena dengan adanya media tersebut dapat mengatasi permasalahan yang ada di sd muhammadiyah 7 surabaya
Co-Authors Fatkur Huda Muhammad Arfan Muammar Salma Nadia Salsabilla Setiyowati, Arin