KELAYAKAN NASABAH DALAM PEMBERIAN PEMBIAYAAN KREDIT KEPEMILIKAN RUMAH PADA KANTOR BANK PEMBIAYAAN RAKYAT SYARIAH INVESTAMA MEGA BAKTI MAKASSAR
Journal Title: AL-Mashrafiyah: Jurnal Ekonomi, Keuangan dan Perbankan Syariah - Year 2018, Vol 2, Issue 2
Abstract
In assessing the financing application for the marketing department, sharia banks must pay attention to several main principles and analysis related to the overall condition of prospective customers, so as to reduce the level of financing of problematic prospective customers in the world of Islamic banking. This article reviews the feasibility of customer financing in the provision of financing at the office “Bank Pembiayaan Rakyat Syariah IMB Makassar”. The approach used is descriptive qualitative’ approach. The results show that in analyzing customer financing feasibility in providing financing, “Bank Pembiayaan Rakyat Syariah IMB Makassar” conducts an assessment using the 5C principles of Character, Capacity, Capital, Collateral, and Condition of Economy, and the FAST concepts are Fathanah, Amanah, Shiddiq, and Tabligh. As for the impact of feasibility on financing provision, namely for the Bank, this feasibility has a positive impact because with the feasibility, the Bank can analyze in detail the customer's application. Where as for the customer, this feasibility has a negative impact because to get capital quickly will be hampered by the existence of this feasibility standard.
Authors and Affiliations
Amiruddin K
Keywords
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