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All Journal Jurnal Ekonomi, Bisnis dan Manajemen Jurnal Cendekia Ilmiah
Husein, Nirmala Amelia
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Implementasi Analisis SWOT Strategi Pemasaran Produk BSI Griya di Bank Syariah Indonesia KCP Jepara Husein, Nirmala Amelia; Ansori, Miswan
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 5, No 2 (2024): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Institut Dirosat Islamiyah Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v5i2.1745

Abstract

This research analyzes the marketing strategy for BSI Griya products at Bank Syariah Indonesia KCP Jepara using SWOT analysis. The results show that the product's main strengths are its usury-free sharia financing system and excellent service, while its weaknesses lie in the lack of promotion and strict financing procedures. Opportunities that can be exploited include high demand for housing and trends in sharia products, while the main threats come from competition with other banks and fluctuating economic conditions. It is hoped that implementing the right strategy can increase BSI Griya's market share and meet the needs of the Jepara community for sharia-based home ownership financing products.
Mekanisme dan Implementasi Pembiayaan KPR BTN Platinum iB dengan Akad Musyarakah Mutanaqisah di Bank BTN Syariah KCPS Kudus Husein, Nirmala Amelia; Ansori, Miswan
J-CEKI : Jurnal Cendekia Ilmiah Vol. 3 No. 6: Oktober 2024
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v3i6.5510

Abstract

This study examines the mechanism and implementation of KPR BTN Platinum iB financing with the Musyarakah Mutanaqisah contract at Bank BTN Syariah KCPS Kudus. Using a qualitative method with a case study approach, this research explores the application process, requirements, financing analysis, and contract implementation. The results show that Bank BTN Syariah KCPS Kudus has disbursed mortgage financing to 442 customers from January 2022 to September 2024, with 25 customers using Non-Subsidized KPR products. The financing process includes document submission, analysis using the 5C principles, and the Musyarakah Mutanaqisah contract. The implementation of this contract complies with DSN-MUI Fatwa No. 73/DSN-MUI/XI/2008, where the bank and customer act as partners in asset ownership. The study concludes that KPR BTN Platinum iB financing with the Musyarakah Mutanaqisah contract has been implemented in accordance with sharia principles and provides a more flexible home financing alternative for the community. Keywoards : Islamic Mortgage Financing, Musyarakah Mutanaqisah (MMQ) Contract, Islamic Banking
Co-Authors Ansori, Miswan