Tinjauan Umum Terhadap Pelaksanaan Perjanjian Kredit Pemilikan Rumah (KPR) Antara Debitur Dengan Bank Tabungan Negara (BTN) Syariah Cabang Pekanbaru Berdasarkan Undang-Undang Nomor 10 Tahun 1998 Tentang Perbankan

Kusuma, Teddy (2022) Tinjauan Umum Terhadap Pelaksanaan Perjanjian Kredit Pemilikan Rumah (KPR) Antara Debitur Dengan Bank Tabungan Negara (BTN) Syariah Cabang Pekanbaru Berdasarkan Undang-Undang Nomor 10 Tahun 1998 Tentang Perbankan. Other thesis, Universitas Islam Riau.

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Abstract

The financing facility or Home Ownership Credit (KPR BTN Indent iB) is one of the BTN Syariah products for the Pekanbaru which is carried out using a Murabahah contract. With the financing facility (KPR BTN Indent iB), the bank will benefit by way of profit sharing. The bank provides loan funds to the customer and then the customer returns the loan in monthly installments with a predetermined period of time. However, in practice, customers are found who do not carry out their obligations with an agreement that was mutually agreed upon when the agreement was made. Bad financing is one of the major impacts in the world of financial institutions, including one in Islamic banking institutions. Therefore, the banking sector must develop an appropriate and correct way to resolve non-performing financing when it occurs. In conducting this research, the authors formulate the main problems including how to implement a Home Ownership Credit (KPR) agreement between the debtor and BTN Syariah Pekanbaru and how to resolve if there is a default in the Home Ownership Credit (KPR) agreement between the debtor and BTN Syariah Pekanbaru. The research method that the author uses in this research is Observational Research by means of a survey, namely the research is carried out directly to the research location in order to obtain information and data related to this research by conducting interviews as a tool to collect data. The nature of this research is descriptive, namely the author provides an overview of the research between debtors and BTN Syariah Pekanbaru. Based on the results of research on the Implementation of Home Ownership Loans (KPR) between debtors and BTN Syariah Pekanbaru sometimes causes obstacles in the agreed credit agreement, namely the debtor who defaults, to overcome this problem the BTN Syariah is by asking the bank first which causes the customer concerned (deliberation). If there is no bright spot or solution, the bank will confiscate the customer's guarantee or collateral which is the last resort. If the customer really does not have good faith or is no longer able to repay the loan as agreed at the beginning

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