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All Journal SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Majapahit Journal of Islamic Finance and Management Majapahit Journal of Islamic Finance dan Management
Marsa, Dinda
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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Procedure for Providing KUR IB Financing and the Strategy for Preventing Problem Financing at Bank Sinarmas Syariah KCS Surabaya Ilahi, Ina Kurnia; Marsa, Dinda; M., M. Akhmas; Dina, Mutiara
Majapahit Journal of Islamic Finance and Management Vol. 2 No. 2 (2022): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v2i2.32

Abstract

Financing is a fund distribution activity carried out by banks to customers. This study aims to determine the procedures and systems implemented by Bank Sinarmas Syariah KCS Surabaya in providing KUR IB financing as well as the supervision process carried out as an effort to prevent problematic financing. This study used a descriptive qualitative method. The data used is in the form of primary data from interviews with informant selection using purposive sampling techniques and several supporting documents as secondary data. This research shows that Bank Sinarmas Syariah KCS Surabaya implements a strategy in the form of accurate financing analysis by applying 5C aspects and conducting supervision as a form of risk mitigation. Bank Sinarmas Syariah KCS Surabaya is considered very healthy with an NPF of 0%.
Procedure for Providing KUR IB Financing and the Strategy for Preventing Problem Financing at Bank Sinarmas Syariah KCS Surabaya Ilahi, Ina Kurnia; Marsa, Dinda; M., M. Akhmas; Dina, Mutiara
Majapahit Journal of Islamic Finance and Management Vol. 2 No. 2 (2022): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v2i2.32

Abstract

Financing is a fund distribution activity carried out by banks to customers. This study aims to determine the procedures and systems implemented by Bank Sinarmas Syariah KCS Surabaya in providing KUR IB financing as well as the supervision process carried out as an effort to prevent problematic financing. This study used a descriptive qualitative method. The data used is in the form of primary data from interviews with informant selection using purposive sampling techniques and several supporting documents as secondary data. This research shows that Bank Sinarmas Syariah KCS Surabaya implements a strategy in the form of accurate financing analysis by applying 5C aspects and conducting supervision as a form of risk mitigation. Bank Sinarmas Syariah KCS Surabaya is considered very healthy with an NPF of 0%.
Penerapan Sistem Bagi Hasil Pada Produk Pembiayaan Modal Kerja Di BANK DKI KCS Sidoarjo Marsa, Dinda; Lesmana, Ceta Indra; Azkiya, Ziana
SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Vol 7 No 2 (2025): SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah
Publisher : STEI Kanjeng Sepuh Gresik Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59636/saujana.v7i2.218

Abstract

Bank DKI merupakan lembaga keuangan dengan kepemilikan saham terbesar oleh Pemerintah Provinsi DKI Jakarta. Bank DKI memiliki banyak produk pembiayaan yang ditawarkan dan cabang yang ada di Indonesia, sehingga jumlah debitur disetiap tahunnya memiliki peningkatan yang cukup besar. Sementara tingkat Non-Performing Financing (NPF) mengalami penurunan. Penelitian ini bertujuan untuk mengetahui penerapan sistem bagi hasil di Bank DKI, khususnya di cabangnya, yaitu Bank DKI KCS Sidoarjo. Metode penelitian yang digunakan adalah deskriptif kualitatif, yang mencerminkan pendekatan naturalistik dalam penelitian. Bank DKI KCS Sidoarjo menerapkan sistem bagi hasil dengan metode revenue sharing, di mana keuntungan dari pembiayaan modal kerja dibagi berdasarkan total pendapatan nasabah sebelum biaya lainnya.
Co-Authors Azkiya, Ziana Dina, Mutiara Ilahi, Ina Kurnia Lesmana, Ceta Indra M., M. Akhmas