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ANALISIS MANAJEMEN RISIKO PEMBIAYAAN KEPEMILIKAN RUMAH BERSUBSIDI SYARIAH PADA BANK ACEH SYARIAH CABANG JEURAM

Jihbiz: Global Journal of Islamic Banking and Finance · Vol. 6 No. 2 (2024) · hlm. 10–25

DOI
10.22373/jihbiz.v6i2.25551
ISSN
2684-8554
Terbit
2024-07-31
Penerbit
Program Studi Perbankan Syariah FEBIII UIN Ar-Raniry
Bahasa
eng
Lisensi
creativecommons.org/licenses/by-sa/4.0

Abstrak

Risk in Subsidized Home Ownership Financing occurs when customers have difficulty paying financing due to irregular income. Therefore, the longer the financing period, the risk borne by the bank will increase. This study aims to analyze the application of risk management in preventing potential losses due to the large number of customers with irregular income. The method used is qualitative with a descriptive approach. Researchers used two data sources, namely primary data and secondary data. The results showed that the house could be built after going through the mechanism established by Bank Aceh Syariah Jeuram Branch. The application of risk management is carried out by analyzing 5C + 1S (Character, Capacity, Capital, Collateral, Condition of economy, and Sharia Compliance) due to differences in payment mechanisms and income receipts between customers with fixed and irregular income. Obstacles occur when Subsidized PKR customers want to apply for financing without meeting the requirements or do a murabaha contract before the house is ready to be occupied, so the bank needs to explain transparently so that risk management runs smoothly. Thus, overall risk management at Bank Aceh Syariah is in accordance with the DSN-MUI fatwa which is supervised by the Sharia Supervisory Board.

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  • Universitas Islam Negeri Ar-Raniry
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Rekan penulisOrganisasiArtikel bersama
Dhea NavishaUniversitas Islam Negeri Ar-Raniry1
Ismuadi IsmuadiUniversitas Islam Negeri Ar-Raniry1
Harianto ArbiUniversitas Islam Negeri Ar-Raniry1
Zaida Rizqi ZainulUniversitas Islam Negeri Ar-Raniry1
Evy IskandarUniversitas Islam Negeri Ar-Raniry1
Sayid AbrarUniversitas Islam Negeri Ar-Raniry1
Rahmat AuliaUniversitas Islam Negeri Ar-Raniry1
Azharsyah IbrahimUniversitas Islam Negeri Ar-Raniry1
Irvan NoptriyaniUniversitas Islam Negeri Ar-Raniry1
Safarul AufaUniversitas Islam Negeri Ar-Raniry1
Evriyenni EvriyenniUniversitas Islam Negeri Ar-Raniry1
Mukhtisar MukhtisarAfiliasi tidak diketahui1
Nana PutrawardanaUniversitas Islam Negeri Ar-Raniry1
Mukhdasir MukhdasirUniversitas Islam Negeri Ar-Raniry1
Salsabilla Alfianti SaljaUniversitas Islam Negeri Ar-Raniry1
Ana FitriaUniversitas Islam Negeri Ar-Raniry1
Putri MachfirahUniversitas Islam Negeri Ar-Raniry1
Ana FitriaUniversitas Islam Negeri Ar-Raniry1

Afiliasi berasal dari OpenAlex; metadata OAI-PMH jurnal tidak memuatnya. Penulis tanpa ID OpenAlex dicocokkan berdasarkan nama, sehingga dua orang bisa tergabung atau satu orang bisa terpisah.

Sumber metadata: OAI-PMH (metadata jurnal) https://jurnal.ar-raniry.ac.id/index.php/jihbiz/oai, pertama di-harvest 7 Nov 2026, terakhir terlihat 7 Nov 2026.
Metadata asli (oai_dc) 
<oai_dc:dc xmlns="http://www.openarchives.org/OAI/2.0/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:oai_dc="http://www.openarchives.org/OAI/2.0/oai_dc/" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.openarchives.org/OAI/2.0/oai_dc/  http://www.openarchives.org/OAI/2.0/oai_dc.xsd">
	<dc:title xml:lang="en">ANALISIS MANAJEMEN RISIKO PEMBIAYAAN KEPEMILIKAN RUMAH BERSUBSIDI SYARIAH PADA BANK ACEH SYARIAH CABANG JEURAM</dc:title>
	<dc:creator xml:lang="en">Ridla Tarigan, Ismail Rasyid</dc:creator>
	<dc:creator xml:lang="en">Zahidi, Mohd</dc:creator>
	<dc:creator xml:lang="en">Ahmadsyah, Israk</dc:creator>
	<dc:subject xml:lang="en">Murabahah Agreement</dc:subject>
	<dc:subject xml:lang="en">PKR</dc:subject>
	<dc:subject xml:lang="en">Risk Management</dc:subject>
	<dc:description xml:lang="en">Risk in Subsidized Home Ownership Financing occurs when customers have difficulty paying financing due to irregular income. Therefore, the longer the financing period, the risk borne by the bank will increase. This study aims to analyze the application of risk management in preventing potential losses due to the large number of customers with irregular income. The method used is qualitative with a descriptive approach. Researchers used two data sources, namely primary data and secondary data. The results showed that the house could be built after going through the mechanism established by Bank Aceh Syariah Jeuram Branch. The application of risk management is carried out by analyzing 5C + 1S (Character, Capacity, Capital, Collateral, Condition of economy, and Sharia Compliance) due to differences in payment mechanisms and income receipts between customers with fixed and irregular income. Obstacles occur when Subsidized PKR customers want to apply for financing without meeting the requirements or do a murabaha contract before the house is ready to be occupied, so the bank needs to explain transparently so that risk management runs smoothly. Thus, overall risk management at Bank Aceh Syariah is in accordance with the DSN-MUI fatwa which is supervised by the Sharia Supervisory Board.</dc:description>
	<dc:publisher xml:lang="en">Program Studi Perbankan Syariah FEBIII UIN Ar-Raniry</dc:publisher>
	<dc:date>2024-07-31</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://jurnal.ar-raniry.ac.id/index.php/jihbiz/article/view/25551</dc:identifier>
	<dc:identifier>10.22373/jihbiz.v6i2.25551</dc:identifier>
	<dc:source xml:lang="en">Jihbiz: Global Journal of Islamic Banking and Finance; Vol. 6 No. 2 (2024); 10-25</dc:source>
	<dc:source>2684-8554</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://jurnal.ar-raniry.ac.id/index.php/jihbiz/article/view/25551/9806</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2024 Ismail Rasyid Ridla Tarigan, Mohd Zahidi, Israk Ahmadsyah</dc:rights>
	<dc:rights xml:lang="en">http://creativecommons.org/licenses/by-sa/4.0</dc:rights>
</oai_dc:dc>