MANAJEMEN RISIKO PEMBIAYAAN KEPEMILIKAN RUMAH (KPR) GRIYA iB HASANAH PADA BANK BNI SYARIAH
DOI:
https://doi.org/10.31000/jika.v1i2.1399Abstract
 Bank BNI Syariah is one of the Islamic Financial Institutions, which plays an important role in the storage and distribution of funds to communities in need. In the finance portfolio Ownership (KPR) Bank BNI Syariah must be selective in assessing the feasibility filed by the debtor. This assessment is done so that the bank BNI Syariah avoid risks or losses can not be a return to lending. Thus the conduct of credit or bank financing BNI Syariah must make an assessment based on the procedure or crediting mechanisms and internal control in order to avoid bad credit. The results of this study indicate, to anticipate emerging risks on mortgage products IB Griya Hasanah, BNI Syariah has application in anticipation of the risk occurring particularly the risk of credit or financing. Bank BNI Syariah apply multiple ways based on the regulations of Bank Indonesia No. 13/23 / PBI / 2011 regarding the implementation of Risk Management in Islamic banks and Islamic business units, among which the risk assessment process with the first step taken is to identify risk, then the risk assessment by PBI using the scoring method is based on historical data of customers and uses analytics 5C character (character or personality), capacity (ability), capital (capital), collateral (collateral), and the condition of economic afterwards risk monitoring and measures The latter is a risk control.
References
Ahmed Mohamed Gamaleldin “An Introduction to Cloud Computing Concepts†Software Engineering Competence Center 2013
Alex Budiyanto Komunitas “Pengantar Cloud Computingâ€Cloud Computing Indonesia 2012
Alexa Huth and James Cebula “The Basics of Cloud Computing†Carnegie Mellon University 2011
Berkah I. Santoso,†Cloud Computing dan Strategi TI Modern†Komunitas Cloud Computing Indonesia, 2012
Cisco “Cisco Cloud Computing -Data Center Strategy, Architecture, and Solutions Point of View White Paper
Cloud U “Understanding the Cloud Computing Stack: PaaS, SaaS, IaaS†Diversity Limited, 2011
Crowe Horwath, “Enterprise Risk Management for Cloud Computing†COSO Juni 2012
David Chappell “A short Introduction into Cloud Platform, an Enterprise Oriented Viewâ€, David Chappell and Asosiated 2008
Downloads
Published
Issue
Section
License
License and Copyright Agreement
In submitting the manuscript to the journal, the authors certify that:
- They are authorized by their co-authors to enter into these arrangements.
- That it is not under consideration for publication elsewhere,
- That its publication has been approved by all the author(s) and by the responsible authorities – tacitly or explicitly – of the institutes where the work has been carried out.
- They secure the right to reproduce any material that has already been published or copyrighted elsewhere.
- They agree to the following license and copyright agreement.
Copyright
Authors who publish with International Journal of Advances in Intelligent Informatics agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License (CC BY-SA 4.0) that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.Â
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
Licensing for Data Publication
International Journal of Advances in Intelligent Informatics use a variety of waivers and licenses, that are specifically designed for and appropriate for the treatment of data:
Open Data Commons Attribution License, http://www.opendatacommons.org/licenses/by/1.0/ (default)
Creative Commons CC-Zero Waiver, http://creativecommons.org/publicdomain/zero/1.0/
Open Data Commons Public Domain Dedication and Licence, http://www.opendatacommons.org/licenses/pddl/1-0/
Other data publishing licenses may be allowed as exceptions (subject to approval by the editor on a case-by-case basis) and should be justified with a written statement from the author, which will be published with the article.
Open Data and Software Publishing and Sharing
The journal strives to maximize the replicability of the research published in it. Authors are thus required to share all data, code or protocols underlying the research reported in their articles. Exceptions are permitted but have to be justified in a written public statement accompanying the article.
Datasets and software should be deposited and permanently archived inappropriate, trusted, general, or domain-specific repositories (please consult http://service.re3data.org and/or software repositories such as GitHub, GitLab, Bioinformatics.org, or equivalent). The associated persistent identifiers (e.g. DOI, or others) of the dataset(s) must be included in the data or software resources section of the article. Reference(s) to datasets and software should also be included in the reference list of the article with DOIs (where available). Where no domain-specific data repository exists, authors should deposit their datasets in a general repository such as ZENODO, Dryad, Dataverse, or others.
Small data may also be published as data files or packages supplementary to a research article, however, the authors should prefer in all cases a deposition in data repositories.
