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All Journal Dinamika Akuntansi Keuangan dan Perbankan Sosiohumaniora Media Trend: Berkala Kajian Ekonomi dan Studi Pembangunan Jurnal Tabarru': Islamic Banking and Finance Jurnal Manajerial BALANCE: Economic, Business, Management and Accounting Journal SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Journal La Sociale JURNAL MANAJEMEN AKUNTANSI (JUMSI) Islamiconomic: Jurnal Ekonomi Islam
Bi Rahmani, Nur Ahmadi
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Journal : SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam

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Evaluating customer eligibility for consumptive financing: A scoring system approach Nurlita, Okky Budi; Marliyah, Marliyah; Bi Rahmani, Nur Ahmadi
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol 6 No 3 (2024)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/serambi.v6i3.1439

Abstract

This research investigates how Syariah Bank evaluates consumer financing customers using a scoring system to ensure appropriate assessments for financing approvals. By analyzing customer eligibility, the bank aims to minimize financing risks, enhance efficiency, and maintain stability, which can lead to increased consumer financing. The study uses descriptive qualitative methods to gather data through observation, interviews, and case studies at a Syariah Bank in Medan City. Findings emphasize the importance of assessing customer suitability for the effective functioning of the bank's financing system. The study identifies civil servant employees with salaries deposited in the bank as preferred candidates for consumptive financing. A well-implemented scoring system can reduce bad debt risks and boost customer confidence in financing transparency. Additionally, it encourages future studies to create more adaptive scoring models in response to evolving consumer behavior and economic conditions. Public interest statements This study's results are expected to significantly contribute to the banking sector, especially in improving the effectiveness of customer eligibility assessment through a scoring system. With proper implementation, this system can minimize the risk of bad debts and increase customer confidence in the transparency and accuracy of financing assessments. Article Info: Received 6/29/2024 | Revised: 9/16/2024 | Accepted: 9/19/2024 | Online First 9/27/2024
Co-Authors Ananda, Chadisa Rizky Andri Soemitra Andriani, Fadilah Armayani Hasibuan, Reni Ria Aslami, Nuri Azhari Azhari Batubara, Maryam Fadilah, Fanny Hasibuan, Indah Triana Hasibuan, Indra Mualim Imsar Kamaruddin Kamaruddin Lestari, Annio Indah Marliyah, Marliyah muhammad Syahbudi, muhammad Muhammad Yafiz, Muhammad Nasution, Alya Mahpuja Nasution, Amalia Nasution, Muhammad Irwan Padli Nasution, Rizka Nurlita, Okky Budi Nurul Wahidah Saragih, Dini Setiana Selfiani, Dwi Yanti, Nursantri Yuda Bakti, I Gede Mahatma