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All Journal EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Jaringan Laboratorium Medis
Sumiati, Dede
Unknown Affiliation
Biochemistry, Genetics & Molecular Biology Economics, Econometrics & Finance Immunology & microbiology Public Health

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Penerapan Asuransi Dan Akad Murabahah Pada Pembiayaan KPR Di BTN Syariah KC Bandung Juniarti, Ira; Sumiati, Dede; Rosinawati, Dian
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 7 No 1 (2023): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v7i1.849

Abstract

Mortgage financing to provide livable and comfortable housing by simply providing a down payment, and the rest is paid in installments every month. Mortgage financing also includes insurance coverage to anticipate if a customer dies and a way for the bank to minimize losses and risks. Qualitative research was conducted to find out the Application of Insurance and Murabahah Contracts in KPR Financing at BTN Syariah KC Bandung which was carried out by studying literature related to Islamic Banking, interviews, and financing procedures. The results of this study are that the application of a murabahah contract at BTN Syariah KC Bandung is used to provide mortgage financing in accordance with the results of the analysis carried out by the bank on prospective customers. First, the bank will inform the assessment of the location and house that the customer wants to own, fit to live in, and is considered comfortable to live in. Second, the customer prepares the required documents for submitting mortgage financing at the BTN Syariah bank. Third, the BTN Syariah bank will consider and assess the completeness of the prospective customer's files, as well as carry out a 5C analysis of the prospective Bank BTN Syariah KPR customers. Fourth, if the results of the analysis are feasible to finance, then proceed to the KPR financing disbursement stage. Fifth, installment payments are made every month according to the agreed period. Furthermore, the application of insurance to KPR financing at BTN Syariah KC Bandung in the form of a customer before signing in front of a notary, the bank asks the customer to prepare a down payment of 10–20% of the property price, booking fee fee, 1% provision fee of the total ceiling, fees credit agreement notary, APHT guarantee costs around 0.25% of 125% credit value, deed of sale and transfer of title, costs of acquisition of building land rights (BPHTB), fire insurance costs, and credit life insurance costs.
Hasil Temuan Suspect BTA Sebelum dan Sesudah Program Ketuk Pintu oleh Kader Berdasarkan Kualitas Sampel Dahak Sumiati, Dede; Budiharjo, Teguh
Jaringan Laboratorium Medis Vol. 1 No. 1 (2019): May 2019
Publisher : Poltekkes Kemenkes Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31983/jlm.v1i1.5178

Abstract

The purpose of this study was to determine the difference between the findings of BTA suspect before and after the door knock program by cadres in 2017 based on the quality of sputum samples in the UPTD Kroya II Community Health Center. The type of research conducted was quantitative descriptive. Data analysis used a different test of Independent t-test (bivariate) with the help of SPSS 24. The results showed 226 suspect numbers of TB with BTA + findings before the program knocked on the door by cadres as much as 29.2%, after the program the number of suspects was 367 people with BTA + findings were 3.3%. This shows that there are differences in the findings of BTA suspect before and after the door knock program by cadres in 2017 based on the quality of sputum samples in the UPTD Kroya II Health Center.
Co-Authors Juniarti, Ira Rosinawati, Dian Teguh Budiharjo, Teguh