Claim Missing Document
Check
Articles

Found 3 Documents
Search

Strategy for Facing the Risk of Problematic Financing in iB Barokah KPR Financing Products (Study of Bank Jatim Syariah Jombang Sub-Branch) Wahyuni, Hana; Nasrulloh, Nasrulloh
JURNAL EKONOMI SYARIAH Vol 9, No 1 (2024): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v9i1.8742

Abstract

Introduction to The Problem: The need for housing is high but there are still many obstacles in fulfilling it. So banking institutions are present as intermediation institutions by offering mortgage financing products. Due to the large number of applications for financing, problems often arise.Purpose/Objective Study: This research aims to determine the factors that cause financing problems in the iB Barokah KPR product at Bank Jatim Syariah Jombang Sub-Branch.Design/Methodology/Approach: The research method used is a qualitative descriptive research method. Data collection techniques come from interviews and observations.Findings: The results of this research show that the factors that cause financing problems with the iB Barokah KPR product are caused by external factors (the customer's side) whether caused by intentional or unintentional elements, such as customers affected by natural disasters, the Covid-19 pandemic, and bad customer character. The strategy used to deal with the risk of problematic financing goes through three stages. First, the stage of anticipating problematic financing by conducting a 5C analysis and a psychological approach. Second, the rescue stage user restructuring. Third, the settlement stage is through non-litigation, litigation.
Sistem sMart Condongsari “Si MaCo” sistem digitalisasi desa untuk penguatan ekonomi warga boom industri desa Condongsari, Banyuurip, Kabupaten Purworejo Wahyuningsih, Lili; Pratiwi, Umi; Widiastuti, Tariska; Rohmantika, Nuning; Ramadhani, Fadilla Nur; Delisa, Sintya; Ma'Rifah, Atik; Sariah, Veri; Wahyuni, Hana; Diana, Abi; Noviyanti, Hesti; Yulyanti, Endang; Prastiwi, Ayu Nitha; Fadli, Imam
IJECS: Indonesian Journal of Empowerment and Community Services Vol 3 No 1 (2022)
Publisher : Universitas Veteran Bangun Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32585/ijecs.v3i1.2016

Abstract

Desa Condongsari merupakan salah satu desa yang memiliki UMKM dengan jumlah yang cukup banyak tetapi belum berkembang. UMKM yang ada didesa tersebut sudah cukup banyak seperti toko pertanian, produksi catering, produksi telur asin, toko bangunan, warung mie ayam, warung sayur, counter, warung makan, dan lain-lain. Namun, pemasaran yang dilakukan masih kurang maksimal. Beberapa hal yang menjadi penyebabnya adalah desa yang cukup jauh dari pusat kota Purworejo karena dibatasi oleh jalan ring road dan metode pemasaran yang masih konvensional. Maka dari itu, sebagai solusi dibutuhkan sebuah program yang lebih efisien dan efektif bagi warga Desa Condongsari yaitu adanya aplikasi Si MaCo (Sistem sMart Condongsari) berbasis android sebagai layanan mandiri terpadu, Pelatihan Digitalisasi Data Desa untuk perangkat desa dan penguat ekonomi warga melalui e-commerce home industry toko online masyarakat desa UMKM Home Industri di Desa Condongsari Kec. Banyuurip Kab. Purworejo. Program ini menyediakan sistem pelayanan terpadu berbasis android berusaha untuk menyediakan aplikasi android guna memudahkan melakukan administrasi dan mengumpulkan database yang akan di input didesa tersebut program ini juga berupaya meningkatkan nilai ekonomi melalui e-commerce home industry dengan menyelenggarakan pelatihan penggunaan aplikasi untuk perangkat Desa Condongsari.diharapkan aplikasiini dapat membantu masyarakat dalam mengelola administrasi dan meningkatkan UMKM.Kata Kunci : Aplikasi, android, umkm, e-commerceCondongsari Village is one of the villages that has quite a large number of UMKM but has not yet developed. There are quite a number of UMKM in the village, such as shops, catering production, salted egg production, building shops, chicken noodle stalls, vegetable stalls, counters, food stalls, and others. However, the marketing carried out is still not optimal. Some of the reasons for this are that the village is quite far from the city center of Purworejo because it is limited by a ring road and conventional marketing methods. Therefore, as a solution, a more efficient and effective program is needed for the residents of Condongsari Village, namely the Si MaCo application (Condongsari Smart System) based on Android as an integrated self-service, Village Data Digitization Training for village officials and improving the residents' economy through e-commerce. commerce home industry, online shop for the village community of UMKM Home Industry in Condongsari Village, Kec. Banyuurip Kab. Purworejo. This program provides an Android-based integrated service system that seeks to provide android applications to facilitate administration and collect databases that will be entered in the village. The program also seeks to increase economic value through e-commerce home industry by organizing training on the use of applications for Condongsari Village devices. This application can help the community in managing administration and improving UMKM.Keywords: Application, android, SMEs, e-commerce
A PLAN FOR HANDLING COMPLEX FINANCING IN KPR PRODUCT: BANK JATIM SYARIAH Wahyuni, Hana; Nasrulloh
NISBAH: Jurnal Perbankan Syariah Vol. 9 No. 2 (2023): NISBAH: Jurnal Perbankan Syariah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jn.v9i2.12845

Abstract

The need for adequate housing continues to increase very rapidly from year to year along with the increase in population, but there are still many obstacles to fulfilling it. So banking institutions are present as intermediation institutions by offering mortgage financing products. Due to the large number of applications for financing, problems often arise. This research aims to determine the factors that cause financing problems in the iB Barokah KPR product at Bank Jatim Syariah Jombang evidence. The research method used is a qualitative descriptive research method. Data collection techniques come from interviews and observations. The results of this research show that the factors that cause financing problems with the iB Barokah KPR product are caused by external factors (the customer's side) whether caused by intentional or unintentional elements, such as customers affected by natural disasters, the Covid-19 pandemic, and bad customer character. The strategy used to deal with the risk of problematic financing goes through three stages. First, the stage of anticipating problematic financing by conducting a 5C analysis and a psychological approach. Second, the rescue stage user restructuring. Third, the settlement stage is through non-litigation, litigation.