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All Journal Neraca Manajemen, Akuntansi, dan Ekonomi Mimbar Administrasi
Nur Widya Ningsih
Universitas Islam Negeri Sumatera Utara
Economics, Econometrics & Finance Environmental Science Social Sciences Other

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Journal : Mimbar Administrasi

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Analisis Asuransi Dan Penjaminan Pada Pelaksanaan Pembiayaan iB Serbaguna Di PT Bank Sumut Unit Usaha Syariah Nur Widya Ningsih; Rahmi Syahriza
MIMBAR ADMINISTRASI FISIP UNTAG Semarang Vol. 21 No. 1 (2024): April : Jurnal MIMBAR ADMINISTRASI
Publisher : Universitas 17 Agustus 1945

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/mia.v21i1.1586

Abstract

This article aims to analyze the insurance and guarantee mechanisms in the implementation of iB Serbaguna financing at PT Bank Sumut Sharia Business Unit. The research method used is a descriptive qualitative approach, gathering data through interviews, observations, and related document studies. The results indicate that the application of insurance and guarantees in iB Serbaguna financing is conducted to reduce credit risk and ensure the continuity of customer payments. The insurance used includes life insurance and loss insurance, while the guarantees involve guarantee institutions to enhance confidence in the customers' repayment abilities. This implementation has proven effective in minimizing financing risks and increasing customer trust in the offered Sharia banking products.
Co-Authors Gandhi Sulaiman Sitompul Maryam Batubara Ma Meitia Ivanka Rahmi Syahriza Silvia Zahra Nasution