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Journal : Jurnal Informatika Ekonomi Bisnis

Implementasi KPR Bersubsidi Melalui Skema FLPP (Fasilitas Liquiditas Pembiayaan Perumahan) di PT. Trah Wali Nagari Farida; Wisudaningsih, Endah Tri; Aqidah, Waqiatul
Jurnal Informatika Ekonomi Bisnis Vol. 5, No. 1 (March 2023)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (427.466 KB) | DOI: 10.37034/infeb.v5i1.204

Abstract

This study departs from the rapid population growth which results in high demand for livable housing, but with high house prices most people do not have the ability to buy houses with cash, in this situation people prefer to look for other ways by applying for loans through home ownership financing from financial institutions. This was also welcomed by government support in the form of Subsidized Housing Loans (KPR), one of which is provided through the Housing Finance Liquidity Facility (FLPP). PT. Trah Wali Nagari is also a company engaged in contraction and real estate services which also cooperates with banks in running their business, where the application of mortgages through the FLPP scheme can also attract customers to own housing there. This study aims to find out how the mechanism or process for implementing Subsidized KPR through the FLPP scheme at PT. Wali Nagari breed. In this study the authors used a qualitative descriptive research type. Qualitative descriptive research is research conducted to describe and interpret objects in accordance with actual facts/phenomena (factualitative). In conducting this research, the researcher strives to obtain valid and accountable data, therefore the determination of informants must be representative or representative. This research resulted in findings on how PT. Trah Wali Nagari as the Developer works closely with the implementing Bank to realize subsidized KPR assistance to Low-Income Communities (MBR) as well as the mechanism for submitting KPR through the FLPP scheme to implementing Banks as well as how to implement Subsidized KPR through the FLPP scheme at PT. Trah Wali Nagari can help low-income people.
Optimalisasi Peran Account Officer dalam Penentuan Kelayakan Pengajuan Pembiayaan di BMT Maslahah Saleha, Idayatus; Wisudaningsih, Endah Tri; Nasrifah, Maula
Jurnal Informatika Ekonomi Bisnis Vol. 5, No. 2 (June 2023)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (486.125 KB) | DOI: 10.37034/infeb.v5i2.244

Abstract

Account Officers have an important role in increasing the efficiency of the institution. Apart from recruiting members, account officers are responsible for various tasks, such as resolving problematic financing, conducting surveys, and conducting financing analysis. accept or reject requests for financing, and become a source for sharia institutions to ensure the continuity of requests for financing. Account Officers must evaluate customers for financing and realizing funding. The purpose of this study is to identify the methods used by account officers to assess the feasibility of applying for financing at the BMT Maslahah Besuk Branch, and explain the supporting factors and inhibiting factors for Account Officers in determining the feasibility of applying for financing at the BMT Maslahah Besuk Branch and explain the solutions they make. in overcoming these inhibiting factors. To express these challenges completely and clearly, researchers used a qualitative approach with raw data collection techniques such as observation, interviews, and documentation. Additional investigations were conducted, and the conclusions reached indicated that the Account Officers modified their approach by working through five steps, including the funding stage, the data collection stage, the data analysis stage, the approval stage, and the disbursement stage. then the 5C concept is used to evaluate. Factors constraining Account Officers in determining eligibility for financing Lack of information on prospective members, inappropriate use of financing, and incomplete customer data are obstacles that must be overcome by Account Officers to assess whether or not a financing is appropriate. Reviewing the 5C principles, taking a personal approach when talking to prospective customers, conducting interviews, preparing the necessary documents, and educating prospective customers so as not to hinder the financing application process.