Wardhani, Intan Puspita (2022) Mekanisme Pembiayaan Griya Hasanah Dengan Akad Murabahah Di Bank Syariah Indonesia Kantor Cabang Pembantu Mojokerto Mojopahit 1. Diploma thesis, Universitas Hayam Wuruk Perbanas Surabaya.
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Abstract
Houses are basic needs for the community in addition to clothing and food needs. However, buying a house in cash is difficult for most people due to the income factor compared to the high price. The presence of the banking sector such as Sharia Banks is the right choice to meet customer financing needs, one of which is home ownership financing because Sharia Banks prioritize profit sharing, rent, and buying and selling systems and do not use an interest system like conventional banks. In this study, there is a research objective, namely to find out the requirements for approval of Griya Hasanah financing, tofind out the financing mechanism of BSI Griya Hasanah with the Murabahah contract, to find out the calculation of collateral installments, binding (contract), and Griya credit guarantees, to find out the constraints in the Griya Hasanah financing procedure, to find out the solution of problems in the Griya Hasanah financing process at Bank Syariah Indonesia KCP Mojokerto Mojopahit 1. This research uses a descriptive type of research in the form of primary and secondary data, as well as using observation methods, interviews, documentation. Griya Hasanah's financing mechanism at Bank Syariah Indonesia KCP Mojokerto Mojopahit 1 consists of customer submissions, completing files, financing inputs in the system, customer analysis, collateral analysis (taxation), and financing decisions. The findings and implications such as research are expected to make it easier for the public to know the terms and conditions in Griya financing, provide knowledge for the public about the procedures in Griya Hasanah financing, increase bank awareness to continue to carry out practices with appropriate procedures and still hold existing principles. Keywords: mechanism, financing, griya
| Item Type: | Thesis (Diploma) |
|---|---|
| Subjects: | 300 - SOCIAL SCIENCE > 330 - 339 ECONOMICS > 332 - FINANCIAL ECONOMICS > 332.12 - BANKS & BANKING |
| Divisions: | Finance and Banking Diploma > Practice Working Report |
| Depositing User: | INTAN PUSPITA WARDHANI |
| Date Deposited: | 04 Oct 2022 05:29 |
| Last Modified: | 04 Oct 2022 05:29 |
| URI: | http://eprints.perbanas.ac.id/id/eprint/9633 |
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