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Aqidah, Waqiatul
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Economics, Econometrics & Finance

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Journal : Jurnal Informatika Ekonomi Bisnis

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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.
Analisis Pemanfaatan Qris dalam Kemudahan Pembayaran Konsumen Car Free Day Kraksaan Rukayyah; Tri Wisudaningsih, Endah; Aqidah, Waqiatul
Jurnal Informatika Ekonomi Bisnis Vol. 6, No. 2 (June 2024)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v6i2.866

Abstract

This study aims to explore the use of Quice Response Code Indonesia Standard (QRIS) in payment transaction at Car Free Day (CFD) Kraksaan and its impact on Micro, Small and Medium Enterprises (MSMEs). Qualitive research methods were used with a descriptive approach through interviews with Kraksaan CFD traders and visitors who use Qris. The interview results show that QRIS is used by traders to simplify the payment process, imcrease transaction efficiency, and reduce the problem of returns, the use of QRIS is also considered to provide additional security in transactions. Even thought there are several problems related to consumer balaces, the use of QRIS is considered to be optimal. Merchants who have not yet used QRIS are expected to immediately adopt it to expand the reach of payments and increase transaction efficiency. In conclusion, the use of QRIS has a positive impact in increasing the efficiency and security of transactions in CFD Kraksaan, and is expected to provide greater benefits and society as a whole.
Co-Authors Farida Rukayyah Tri Wisudaningsih, Endah Wisudaningsih, Endah Tri