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All Journal JIHBIZ :Global Journal of Islamic Banking and Finance. JIMEBIS
Ridla Tarigan, Ismail Rasyid
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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ANALISIS MANAJEMEN RISIKO PEMBIAYAAN KEPEMILIKAN RUMAH BERSUBSIDI SYARIAH PADA BANK ACEH SYARIAH CABANG JEURAM Ridla Tarigan, Ismail Rasyid; Zahidi, Mohd; Ahmadsyah, Israk
Jihbiz: Global Journal of Islamic Banking and Finance Vol 6, No 2 (2024)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v6i2.25551

Abstract

Risk in Subsidized Home Ownership Financing occurs when customers have difficulty paying financing due to irregular income. Therefore, the longer the financing period, the risk borne by the bank will increase. This study aims to analyze the application of risk management in preventing potential losses due to the large number of customers with irregular income. The method used is qualitative with a descriptive approach. Researchers used two data sources, namely primary data and secondary data. The results showed that the house could be built after going through the mechanism established by Bank Aceh Syariah Jeuram Branch. The application of risk management is carried out by analyzing 5C + 1S (Character, Capacity, Capital, Collateral, Condition of economy, and Sharia Compliance) due to differences in payment mechanisms and income receipts between customers with fixed and irregular income. Obstacles occur when Subsidized PKR customers want to apply for financing without meeting the requirements or do a murabaha contract before the house is ready to be occupied, so the bank needs to explain transparently so that risk management runs smoothly. Thus, overall risk management at Bank Aceh Syariah is in accordance with the DSN-MUI fatwa which is supervised by the Sharia Supervisory Board.
ANALISIS MANAJEMEN RISIKO PEMBIAYAAN KEPEMILIKAN RUMAH BERSUBSIDI SYARIAH PADA BANK ACEH SYARIAH CABANG JEURAM Ridla Tarigan, Ismail Rasyid; Zahidi, Mohd; Ahmadsyah, Israk
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 6 No. 2 (2024)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v6i2.25551

Abstract

Risk in Subsidized Home Ownership Financing occurs when customers have difficulty paying financing due to irregular income. Therefore, the longer the financing period, the risk borne by the bank will increase. This study aims to analyze the application of risk management in preventing potential losses due to the large number of customers with irregular income. The method used is qualitative with a descriptive approach. Researchers used two data sources, namely primary data and secondary data. The results showed that the house could be built after going through the mechanism established by Bank Aceh Syariah Jeuram Branch. The application of risk management is carried out by analyzing 5C + 1S (Character, Capacity, Capital, Collateral, Condition of economy, and Sharia Compliance) due to differences in payment mechanisms and income receipts between customers with fixed and irregular income. Obstacles occur when Subsidized PKR customers want to apply for financing without meeting the requirements or do a murabaha contract before the house is ready to be occupied, so the bank needs to explain transparently so that risk management runs smoothly. Thus, overall risk management at Bank Aceh Syariah is in accordance with the DSN-MUI fatwa which is supervised by the Sharia Supervisory Board.
Pengaruh Kualitas Pelayanan dan Biaya Administrasi Terhadap Kepuasan Nasabah Tabungan Faedah Pada BRI Syariah Cabang Banda Aceh Yulindawati; Ridla Tarigan, Ismail Rasyid; Ferdian, Aan Muhammad
Scientific Journal of Students Islamic Economics and Business Vol. 3 No. 1 (2022): JIMEBIS
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jimebis.v3i1.252

Abstract

This study was conducted to determine the effect of the influence of service quality and administrative costs on customer satisfaction. The study at BRI Syariah Kc Banda Aceh. This research method uses quantitative methods with data collection techniques through distributing questionnaires to 100 respondents, namely Tabungan Faedah customers. The results showed that: (1)Service quality had a positive and significant effect on customer satisfaction at Bank BRI Syariah KC Banda Aceh. (2)Administrative costs have a positive and significant effect on customer satisfaction at Bank BRI Syariah KC Banda Aceh. (3)Service Quality and Administration Costs simultaneously have a significant effect on customer satisfaction
Co-Authors Ferdian, Aan Muhammad Israk Ahmadsyah Yulindawati Zahidi, Mohd