Dyana Putri, Eka (2024) Penyelesaian Pembiayaan Bermasalah Terhadap Perjanjian Kepemilikan Rumah Di Brk Syariah Kc Arifin Ahmad Pekanbaru. Other thesis, Universitas Islam Riau.

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Abstract

ABSTRACT Housing is a basic need besides food and clothing. The role of banking greatly affects the economic activities of a country. Providing housing financing is one of the most basic bank businesses, one of which is providing housing financing by BRK Syariah. Before providing financing the bank needs to assess customers who apply for financing. Because, not a few customers fail to fulfill their obligations in house payments which results in problematic financing. In resolving problematic financing, settlement is not always carried out through court channels, but also efforts to resolve problems carried out outside the court provided by BRK Syariah. The formulation of the problem in this research is how to review the law regarding the resolution of problematic home ownership financing at BRK Syariah KC Arifin Ahmad Pekanbaru and what factors cause problematic home ownership financing at BRK Syariah KC Arifin Ahmad Pekanbaru. The type of research used is included in the empirical group and the sample for this research is one part of the BRK Syariah bank KC Arifin Ahmad Pekanbaru, namely the Management Director and several customers who have been declared in default or failed to carry out their obligations. From the results of research that has been conducted by the author, that the settlement of problematic financing of home ownership in BRK Syariah KC Arifin Ahmad Pekanbaru is litigation and non-litigation, such as rescheduling, reconditioning and restructuring and there are 2 (two) factors causing the financing of problematic home ownership in BRK Syariah KC Arifin Ahmad Pekanbaru, namely internal factors originating from the bank that are not careful both from analyzing prospective customers, as well as in the calculation of home financing and ext from the bank that is not careful both from analyzing prospective customers, as well as in the calculation of rumaa financing and external factors from the customer, where there are some customers who do not make payments because there is an element of intentionality and an element of customer unintentionality. Keywords:

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