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All Journal Management Studies and Entrepreneurship Journal (MSEJ) International Journal of Islamic Business Management
Fifi Hayrani Siregar
Universitas Muslim Nusantara Al-Washliyah
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Analisis Sistem Pembiayaan KPR Pada Bank BTN (Studi Kasus Bank BTN Kantor Cabang Medan) Fifi Hayrani Siregar; Henny Andriyani Wirananda
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 4 No. 1 (2023): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v4i2.1506

Abstract

Tulisan ini dibuat untuk mengetahui bagaimana pembiayaan KPR di bank BTN , tujuan dibuatnya tulisan ini jugs untuk mengetahui bagaimana bank BTN  menggunakan bunga sebagai imbalan pada orang yang  mengajukann KPR dan bagaimana syarat pengajuan kredit pemilikan rumah (KPR) dan bagaimana perhitungan angsuran bila nasabah telat membayar angsuran, apakah penyaluran pembiayaan KPR kepada masyarakat berpenghasilan rendah itu efektif mengingat banyak orang yang berpendapatan rendah, penulis menggunakan metode jenis penelitian lapangan menggunakan kualitatif dimana metode ini adalah prosedur penelitian yang menghasilkan data deskriptif berupa kata-kata tertulis (lisan) dari orang-orang yang diamati dan pengumpulan data, obdervasi, wawancara, dokumentasi dan studi langsung ke lapangan di bank BTN kantor cabang Medan, hasil penelitian menunjukkan bahwa pembiayaan dan pengajuan KPR di bank BTN lebih mudah dan cepat, yang dimana pada tahap persyaratan umum, jangka waktu proses pembiayaan, masa tenor, penandatanganan akad, biaya-biaya dan denda yang sangat mudah dipahami berdasarkan hasil olahan data penelitian. kata kunci : Sistem pembiayaan, Kredit perumahan, Tingkat bunga
Good Corporate Governance Sebagai Wujud Peran Dewan Pengawas Syariah Di Perbankan Syariah Afni Amelia; Fifi Hayrani Siregar; Putri Balqis; Wilda Sri Munawaroh; Ova Novi Irama
INTERNATIONAL, Journal of Sharia Business Management Vol 3 No 1 (2024): March
Publisher : CV. Barokah Publsiher

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The operation of this sharia bank cannot be separated from the demands of implementing good corporate governance (Good Corporate Governance) hereinafter referred to as GCG. This research uses a type of literature study or literature review with data collection methods using two approaches, namely library research and internet searches. The literature that is the focus of this research are journals and articles that are directly related to Good Corporate Governance (GCG). In the process of searching on the internet, researchers can use various methods such as searching, browsing, or downloading to obtain the information needed according to the research objectives. The databases used when searching for research journals are Google Scholar, Sciencedirect, and Researchgate. The Sharia Supervisory Board (DPS) is tasked with supervising banking operations and sharia banking products according to Sharia principles. DPS must ensure that GCG principles are implemented in all aspects and at all levels of the company. Through the effective implementation of sharia GCG, sharia banking not only gains public trust, but also builds a solid foundation for the growth of the sharia financial industry by combining ethical and balanced financial values.
Co-Authors Afni Amelia Ova Novi Irama Putri Balqis Wilda Sri Munawaroh Harahap Wirananda, Henny Andriyani