Pemberian Bunga Anuitas Dalam Kredit Pinjaman Pensiunan Di Bank Syariah Bukopin Kupang

DORA, Anastasia Febi (2024) Pemberian Bunga Anuitas Dalam Kredit Pinjaman Pensiunan Di Bank Syariah Bukopin Kupang. Undergraduate thesis, Universitas Katolik Widya Mandira Kupang.

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Abstract

The aim of this research is to determine the implementation of providing annuity interest in pensioner loan credit,to find out the factors that inhibit the implementation of providing annuity interest in pensioner loan credit during the repayment process at Bank Syariah Bukopin Kupang, Next, look for the right solution for customers by providing annuity interest during the repayment process at Bank Syariah Bukopin.In this research,the analysis technique used is qualitative description with interviews for data collection, documentation and subsequent analysis of the datacollected. The results of this research show that at Bank Syariah Bukopin Kupang Branch there are still problems that often arise because they still use Annuity interest, this occurs in the understanding of customers who feel that the losses are greater compared to using flat interest at other banks, even though in fact the use of interest is decreasing / annuities This is actually more profitable for customers with the total amount of interest and principal returned using the annuity method which is based on the management policy of Bank Syariah Bukopin Kupang Branch. The implementation of providing annuity interest in pensioner loan credit at Bukopin Syariah Bank Kupang is seen in the process of applying for credit provided by the bank. Factors that hinder pensioner credit at Bukopin Syariah Bank are: found in the calculation of repayment at Bukopin Syariah Bank using sufficient annuity interest. high at the repayment stage where the difference with other interest rates is that the annuity interest is actually more mandatory for retired customers to pay off all remaining interest during the credit process up to the time period specified in the credit agreement. The right solution that must be taken by the bank is to use annuity interest by lowering the interest rate, this is because the annual annuity interest rate is high,especially with a fast repayment system.

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