Analisis Aspek 5C (Character, Capacity, Capital, Collateral, Condition) dalam Keputusan Pemberian Pembiayaan Pemilikan Rumah iB maslahah di Bank bjb Syari’ah KC

ABSTRACT

Asri Aprilia Pertiwi, 2019, Analysis of Aspects 5C (Character, Capacity, Capital, Collateral, Condition) in the Decision on Home Ownership Financing iB Maslahah at Bank Bjb Syari'ah KCP Rancaekek. Mini Thesis, STIBANKS Islamic Banking Department Al Ma’soem Bandung. Advisor: Ida Rapida, Dra., MM. Mini Thesis Chapter I-V, 68 Pages, 18 Appendix.

This study aims to determine the application of character, capacity, capital, collateral, condition at Bank bjb Syariah KCP Rancaekek in providing financing decisions.

The type of research used is qualitative research with data obtained from observations, interviews, and documentation studies then analyzed using the interaction of Miles and Huberman.

The results of the study show that the financing of Home Ownership Financing iB Maslahah in the Bank bjb syariah has applied the 5C aspect and the most important aspect is the character.

The conclusion of this study is the character through the biography, the reputation of the customer in the work environment, doing bank to bank information, looking for customer information in the environment around where he lives, looking at customer responsibilities, family circumstances, hobbies owned by customers. Capacity through a slip or detailed list of customer salaries, other business fields owned, savings and current account related to the business undertaken by the customer. Capital through the ownership status of the house where the customer previously lived, the type of transportation or vehicle the customer currently has, the savings or savings that the customer has. Collateral through collateral in the form of houses that will be purchased by customers with loans from banks. Conditions through conjuncture conditions, government regulations, the political situation and the world economy, and other conditions that affect the market.

Keywords: Character, Capacity, Capital, Collateral, Condition

ABSTRAK

Asri Aprilia Pertiwi, 2019, Analisis Aspek 5C (Character, Capacity, Capital, Collateral, Condition) dalam Keputusan Pemberian Pembiayaan Pemilikan Rumah iB maslahah di Bank bjb Syari’ah KCP Rancaekek. Skripsi, Jurusan Perbankan Syariah STIBANKS Al Ma’soem Bandung. Pembimbing: Ida Rapida, Dra., MM. Skripsi Bab I-V, 68 Halaman, 18 Lampiran.

Penelitian ini bertujuan untuk mengetahui penerapan character, capacity, capital, collateral, condition di Bank bjb Syariah Rancaekek dalam memberikan keputusan pembiayaan.

Jenis penelitian yang digunakan adalah penelitian kualitatif dengan data yang diperoleh dari hasil observasi, wawancara, dan studi dokumentasi kemudian dianalisis dengan menggunakan interaksi Miles and Huberman.

Hasil penelitian menunjukaan bahwa pembiayaan pemilikan rumah iB Maslahah di Bank bjb syariah telah menerapkan aspek 5C dan aspek yang paling penting adalah aspek character.

Kesimpulan penelitian ini adalah character melalui riwayat hidup, reputasi nasabah di lingkungan kerja, melakukan bank to bank information, mencari informasi nasabah di lingkungan sekitar tempat tinggalnya, melihat tanggungjawab nasabah, keadaan keluarga, hobi yang dimiliki nasabah. Capacity melalui slip atau daftar rincian gaji nasabah, bidang usaha lain yang dimiliki, tabungan dan rekening koran berkaitan dengan usaha yang dijalani oleh nasabah. Capital melalui status kepemilikan rumah yang ditinggali nasabah sebelumnya, jenis transportasi atau kendaraan yang dimiliki nasabah saat ini, tabungan atau simpanan yang dimiliki nasabah. Collateral melalui agunan berupa rumah yang akan dibeli oleh nasabah dengan pinjaman dari bank. Condition melalui keadaan konjungtur, peraturan-peraturan pemerintah, situasi politik dan perekonomian dunia, dan keadaan lain yang mempengaruhi pasar.

Kata Kunci : Character, Capacity, Capital, Collateral, Condition.