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All Journal Jurnal Manajemen Dan Bisnis Ekonomi Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Yuniar Maulidya
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Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Analisis Keputusan Pemberian Kredit Pemilikan Rumah (KPR) Bagi Nasabah Pada Bank Tabungan Negara (BTN) Kc Karawang Yuniar Maulidya; Sungkono Sungkono
JURNAL MANAJEMEN DAN BISNIS EKONOMI Vol. 1 No. 3 (2023): July : JURNAL MANAJEMEN DAN BISNIS EKONOMI
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jmbe-itb.v1i3.335

Abstract

This article was created to find out how the decision to grant a Home Ownership Credit or KPR at BTN bank is. Lending has a very large risk that may be borne by the bank against the uncertainty of loan repayments from the debtor. The emergence of non-performing loans can then become a difficulty for the bank. Bank BTN plays an important role in providing mortgage loans to customers, in granting mortgage loans the bank must conduct research and proper calculations for prospective borrowers and many factors must be considered when making decisions in granting mortgages to customers, so that there are no mistakes in making decisions that are wrong. can result in losses to the bank, namely the possibility of bad credit. Seeing the frequent occurrence of bad credit risks borne by Bank BTN due to the uncertainty of debtor loan repayments, and where nonperforming loans can certainly affect the health of a bank. This study uses a qualitative method with a descriptive approach. This research study focuses on how the BTN bank, especially the KC Karawang, determines the decision to provide mortgage financing to its customers. The results of the study show that there are many series of processes until the decision to grant or the realization of the mortgage occurs. One of them is by checking BI, which is in the form of checking customer credit history, such as motorbike loans, car loans, credit on credit or paylater and others that will be seen in BI. If the BI is good and smooth, there are no arrears, then the mortgage application is accepted, but conversely, if the BI is not good, then the mortgage application will not be accepted.
Pengaruh Pengetahuan Investasi, Persepsi Return dan Persepsi Risiko Terhadap Minat Berinvestasi di Platform Bibit: Studi pada Mahasiswa UBP Karawang Yuniar Maulidya; Sihabudin; Robby Fauji
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 9 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i9.2506

Abstract

This research aims to find out the influence of investment knowledge, perception of return and risk perception on the investment interest of students of Buana University of Karawang Struggle in the Plant Platform partially and simultaneously. The population includes the entire UBP Karawang student recorded on the 2023 forlap with a sample of 100 respondents, and the sample is calculated using the Slovin formula. Purposive sampling is used as a sampling technique. The Likert scale is used as a measurement scale on questionnaires in data collection. For instrument analysis, validity and reliability tests are used. The data analysis method applied is the double regression analysis, which is supported by the classical assumption test as well as the hypothesis test of the t test, the f test and the R2 test using the SPSS 26 program. This research results in whether investment knowledge, perception of return and risk perception significantly influence the investment interest of UBP Karawang students in the Bibit platform partially and simultaneously. Three free variables in this study influenced the interest of UBP Karawang students in investing in Bibit platforms (only 55,%) that means, many other free variable that can affect the interest investing UBP karawang students on Bibit Platform.
Co-Authors Robby Fauji Sihabudin Sungkono Sungkono