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All Journal Journal of Indonesian Tourism and Development Studies Musawa : Jurnal Studi Gender dan Islam Jurnal Ilmiah Ekonomi Islam AKSIOLOGIYA : Jurnal Pengabdian Kepada Masyarakat Perisai : Islamic Banking and Finance Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah ELSE (Elementary School Education Journal) : Jurnal Pendidikan dan Pembelajaran Sekolah Dasar Jurnal Ekonomi Islam JMM (Jurnal Masyarakat Mandiri) Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Martabe : Jurnal Pengabdian Kepada Masyarakat MALIA Nusantara Science and Technology Proceedings Humanism : Jurnal Pengabdian Masyarakat Society: Jurnal Pengabdian Masyarakat Jurnal Ekonomi Islam Musyarakah: Journal of Sharia Economics (MJSE)
Setiyowati, Arin
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Analysis of Customer Feasibility Classification Using the 5C1S Principle to Obtain Hasanah House Financing at BSI KCP Sidoarjo Krian Sari, Yuliana Permata; Setiyowati, Arin; Huda, Fatkur
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.
Co-Authors Adnyana, Made Bambang Agus Budiman Ahmad, Resha Alawi, A. Muammar Apsari, Phatriakalista Intan Arfan Muammar, Muhammad Aribowo Arif, Achmad Zainuri Aulia Zahra, Ananda Putri Choliq, Idham Dian Berkah Fatkur Huda Fery Efendi, Junaidi Haqiqi Rafsanjani Hartini, Dewi Sri Hidayah, Nadiyah Rizqa Huda, Fatkhur Ichda Wahyuni, Holy Joko Mijiarto, Joko Krisdianto Sugiyanto Lutfiana, Shinta Muammar, Muhammad Arfan Muftaqor, Nur Azmil Nadia Salsabilla, Salma Nadid, Erdin Nanda Pratiwi, Danisa Nasution, Hafizul Ilmi Nuryananda, Praja Nuryananda, Praja Firdaus Paranggi, Alifia Permata Sari, Yuliana Pratiwi, Danisa Nanda Putri, Fahriza Nahdya Putri, Galuh Melati Radius Setiyawan, Radius Rahmatin, Leily Suci Rahmayani, Nisa Rikza, Ayu Salsabila, Salma Nadia Salsabilla, Salma Nadia Sari, Yuliana Permata Septiansa, Fariski Setiawan, Tho’at Shinta Wulandari, Athiya SM, Ainol Yaqin Suksmawati, Herlina Tariq, Atika Agustina Thoat Stiawan Wijaya, M. Febrianto Yuyun Wahyu Izzati Surya Zuhroh, Latifah Nisa'uz Zuhud, Mochammad Haris