EFEKTIVITAS PENYALURAN PEMBIAYAAN KPR SYARIAH BERSUBSIDI PADA PT BANK BTN SYARIAH CIREBON

• Main Author: Putri Pithaloka Kennedy, - (Author)
• Format: Book
• Published: 2020-12-04.
• Subjects: Thesis; NonPeerReviewed
• Online Access: Link Metadata
• Notes: http://repository.upi.edu/58549/7/S_EKI_1600071_Title.pdf; http://repository.upi.edu/58549/2/S_EKI_1600071_Chapter1.pdf; http://repository.upi.edu/58549/3/S_EKI_1600071_Chapter2.pdf; http://repository.upi.edu/58549/4/S_EKI_1600071_Chapter3.pdf; http://repository.upi.edu/58549/5/S_EKI_1600071_Chapter4.pdf; http://repository.upi.edu/58549/6/S_EKI_1600071_Chapter5.pdf; http://repository.upi.edu/58549/1/S_EKI_1600071_Appendix.pdf
• Keywords: HC Economic History and Conditions; L Education (General)

Penelitian ini berdasarkan pada fenomena masalah di mana KPR Syariah bersubsidi pada Bank BTN Syariah masih belum tepat sasaran dan belum dimanfaatkan oleh debitur atau pemilik asli. Rumah-rumah tersebut tidak di huni atau dialihkan sehingga belum efektifnya KPR Syariah bersubsidi oleh pemerintah. Tujuan penelitian ini untuk mengetahui pola prosedur penyaluran pembiayaan KPR Syariah bersubsidi pada PT. Bank BTN Syariah Cirebon dan mengetahui tingkat efektivitas penyaluran pembiayaan KPR Syariah bersubsidi pada PT. Bank BTN Syariah Cirebon. Pengumpulan data dalam penelitian ini menggunakan Google Form yang disebar ke 96 responden dari kabupaten Cirebon. Teknik pengambilan sampel yang digunakan adalah non probability-purpose sampling sebanyak 96 responden yang telah ditentukan mengggunakan rumus slovin. Metode penelitian yang digunakan dalam penelitian ini adalah metode deskriptif dengan pendekatan kuantitatif. Teknik analisis data yang digunakan adalah SPSS 22. Mengukur tingkat efektivitas pembiayaan menggunakan ukuran efektivitas seluruh indikator. Adapun hasil efektivitas pembiayaan KPR Syariah bersubsidi adalah pada variabel efektivitas indikator kegunaan 85,3%, ketepatan sasaran 84,8%, ruang lingkup 85,0%, efektivitas biaya 85,9%, dan ketepatan waktu 81,3%. Dapat disimpulkan secara keseluruhan bahwa efektivitas pembiayaan KPR Syariah Bersubsidi pada PT. Bank BTN Syariah Cirebon adalah sangat efektif dengan hasil sebesar 84,5%. Kata Kunci : Efektivitas, KPR Syariah bersubsidi, BTN Syariah Putri Pithaloka Kennedy (1600071) "Effectiveness of Subsidized Syariah KPR Financing Distribution at PT. Bank BTN Syariah Cirebon", under the guidance of Dr. Juliana, M.E.Sy. and Suci Aprilliani Utami, S.Pd., M.E.Sy. ABSTRACT This research is based on the phenomenon of the problem in which the subsidized KPR Syariah at Bank BTN Syariah is still not on target and has not been utilized by the original debtor or owner. The houses are not occupied or diverted, so the government has not yet been able to effectively use the subsidized Sharia KPR. The purpose of this study is to determine the pattern of the procedure for distribution of subsidized Sharia KPR financing at PT. Bank BTN Syariah Cirebon and to find out the level of effectiveness in disbursing subsidized Sharia KPR financing to PT. Bank BTN Syariah Cirebon. The population in this study were subsidized KPR financing customers at PT. Bank BTN Syariah Cirebon. Data collection in this study used Google Form which was distributed to 96 respondents from Cirebon district. The sampling technique used was non-probability-purpose sampling of 96 respondents who had been determined using the Slovin formula. The research method used in this research is descriptive method with a quantitative approach. The data analysis technique used was SPSS 22. Measuring the level of effectiveness of financing using a measure of the effectiveness of all indicators. The results of the effectiveness of subsidized Sharia KPR financing are on the variable effectiveness of indicators of use 85.3%, target accuracy of 84.8%, scope of 85.0%, cost effectiveness of 85.9%, and timeliness of 81.3%. It can be concluded overall that the effectiveness of Subsidized Sharia KPR financing at PT. Bank BTN Syariah Cirebon is very effective with a yield of 84.5%. Keywords: Effectiveness, Subsidized Syariah KPR, BTN Syariah