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All Journal JESI (Jurnal Ekonomi Syariah Indonesia) Jurnal REP (Riset Ekonomi Pembangunan)
Annisa Rahima
Universitas Islam Indonesia
Economics, Econometrics & Finance

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Peluang dan Tantangan Perbankan Syariah Terhadap Pembiayaan Pemilikan Properti Residensial di Indonesia Annisa Rahima
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 10, No 1 (2020)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (206.483 KB) | DOI: 10.21927/jesi.2020.10(1).1-10

Abstract

This research aims to give a thorough review on the chance and challenge of sharia banking on residential property financing in Indonesia along with the contract used in giving the residential property financing. This research used study of literature and SWOT analysis. Study of literature is used in giving the review on the contract used in giving the residential property financing. SWOT analysis is used to explain the chance and challenge of sharia banking on residential property financing in Indonesia.From this research, it is found that akad murabahah is still very dominant by sharia banking in giving residential property financing. Here in after shariah banking in Indonesia has the opportunity to keep improving residential property financing. It is seen from the higher demand of society on the sharia residential property and profit sharing system that is accepted by society. This is reflected from the increasing of sharia banking offices and assets in Indonesia. As or the challenges faced by sharia banking is the less innovation of residential property financing contract given to customer and the lack of public knowledge on the sharia banking.
THE DISTRIBUTION OF HOME MORTGAGES BY COMMERCIAL BANKS, ISLAMIC BANKS, AND RURAL BANKS DURING THE COVID-19 PANDEMIC Annisa Rahima
Jurnal REP (Riset Ekonomi Pembangunan) Vol. 8 No. 1 (2023): April 2023
Publisher : Universitas Tidar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31002/rep.v8i1.858

Abstract

This research aimed to examine the distribution of home mortgages by various banks, i.e., commercial banks, Islamic banks, and rural banks during the 2-year Covid-19 pandemic in Indonesia. This study used panel data as the analysis method and the variables consisted of Residential Property Price Index (RPPI) and interest rates. The regression results showed that RPPI had a positive but not significant effect on the distribution of home mortgages during the pandemic. From the regression results, it is found that IHPR has an insignificant effect on KPR distribution during the pandemic. That is, when property prices increase, it will not affect the distribution of mortgages provided by commercial banks, Islamic banks and rural banks. Loan interest rates also have no significant effect on mortgage distribution during the pandemic. This implies that when the loan interest rate increases, it does not affect the distribution of mortgages provided. However, the increase in mortgage distribution during the Covid-19 pandemic is due to government efforts through subsidized mortgage policies such as Loan to Value (easing credit limits), VAT exemption incentives and expanding these policies not only in banks but also to rural banks.
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