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Juliana Juliana
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Journal : EKSPANSI

 1 
EFEKTIVITAS PENYALURAN PEMBIAYAAN KPR SYARIAH BERSUBSIDI PADA PT BANK BTN SYARIAH CIREBON Putri Pithaloka Kennedy; Juliana Juliana; Suci Aprilliani Utami
Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan, dan Akuntansi Vol 12 No 2 (2020): Jurnal Ekspansi November 2020
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ekspansi.v12i2.2224

Abstract

This research is based on the phenomenon of the problem in which the subsidized Syariah KPR at Bank BTN Syariah is still not on target and has not been utilized by the original debtor or owner. The houses are not occupied or diverted so that the government has not yet become effective in the subsidized Islamic KPR. The purpose of this study is to determine the pattern of the procedure for disbursement of subsidized Syariah mortgage financing at PT. Bank BTN Syariah Cirebon and to find out the level of effectiveness in disbursing subsidized sharia KPR financing to PT. Bank BTN Syariah Cirebon. The population in this study are customers of subsidized Syariah mortgage financing at PT. Bank BTN Syariah Cirebon. The sampling technique used was non-probability-purpose sampling of 96 respondents who had been determined using the Slovin formula. The research method used in this research is descriptive method with a quantitative approach. The data analysis technique used is SPSS 22. The results of the effectiveness of subsidized syariah mortgage financing are the effectiveness of the indicators of use variable 85.3%, target accuracy 84.8%, scope 85.0%, cost effectiveness 85.9%, and accuracy time 81.3%. It can be concluded overall that the effectiveness of Subsidized Syariah KPR financing at PT. Bank BTN Syariah Cirebon is very effective with a yield of 84.5%. Keywords: Effectiveness, Subsidized Syariah KPR, BTN Syariah
Co-Authors A. Jajang W. Mahri Ade Muharam Adrian Hamzah Adrian S Pane Agustriyono Ibrahim Ahmad Shirotol Ahmad Taufiq Harahap Ajmain Ajmain Albert Wijaya Ali Djamhuri Alinna Alinna Alya Putri Agustina Amelda Pramezwary Amelia Naim Indrajaya Andrianus Winata Ali Aqsha Almadinah Arifin Djakasaputra Asrul Asrul Aulia Permata Pohan Ayie Davila Lubis Bagus Feri Sumantri Bedriati Ibrahim Beni Junedi Bunari Bunari Bunga Lestari Candra Setianto Catherine Natalie Citra Panigoro Darinda Sofia Tanjung Dea Kamelia Putri Deng Hongguang Deprizon Deprizon Devi Risma Devi Yasmin Dewi Driyani Diena Mutiara Lemy Djakasaputra, Arifin Dwi Marlina Dwika Aulia Fitrah Panjaitan Eddy Noviana Edward Harnjo Elisnawati Harun Ewin Kasiati Fachrurazi Febi Adela Fikri Ardani Gaol, Rumiris Lumban Gerri Syahrial HALIMATUS SA’DIAH SA’DIAH Hanisah Hanisah Helmin Dupamana Hendrik David Julianus Borolla Heryudi Heryudi HUSNUL KHOTIMAH Inayah Inayah Indah Siti Aulya Ira Suryani Jabbar Sabil Jenti Mariani Hutasoit Jesi Alexander Alim Johan Jang Kalista Moolulungo Kamaruddin Kamaruddin Kesi Kesi Khairunnisya Khairunnisya Mauliana Mauliana Maya Dwi Utari Meriyanti Muharam Mikhael Rajustinus Ginting Muchtar Ahmad Muhamad Reda Muhammad Rizq Gobel Mulis Mulis Nada Syiva Salsabila Nadia Haviza Purba Naina Idma Siregar Nazirah Al Zany Neni Triana M. Ngatno Sahputra Nikira Nikira Ninta Katharina Nirmala Nurdiandani Noor Ai`in Nopita Eli Nova Bernedeta Sitorus Nova Irene Bernedeta Sitorus Nur Afit Azizah Nurbaiti Nurbaiti Nuri Khoiriah Oktafalia Marisa Pebrijah Nasution Purba, Edy Marjuang Purnamawati Purnamawati Putri Pithaloka Kennedy Putri Sari Ayu Rahmat Hidayat Thalib Rahmawati Rahmawati Raja Siregar Refliyanto Djalilu Resya Dwi Marselina Rina Ningdayati Ropi Marlina Rudy Eddywidjaja Rully Tuiyo Sabrina O Sihombing sakban sakban Santika Della Risdianti Putri Silaban, Patri Siti Khotijah Siti Mardiana Siti Nurmawan Sinaga Situmorang, Jimmy Muller Hasoloan Sri Aprianti Tarigan Sri Indah Ayu Pertama Sari Sri Mardiyati Sri Murtiana Sundari, Sri Syahrilfuddin Syahrilfuddin Syamsuddin Syamsuddin Tegar Adit Tiawan Theng, Bestadrian Prawiro Tia Salsabilla Tina Linda Ulfah Lainun Bokings Ulfiana Hanifah Umrah Umrah Utami, Suci Aprilliani Valen Avelina Vicky Leonarto Widia Astuti Wismanto Wismanto Wisnu Yuwono Wusono Indarto Yulita Fairina Susanti Yuni Afriani Yuniarti Koniyo Zubair Y Supu