EFEKTIVITAS PROGRAM PEMBIAYAAN RUMAH TANPA DOWN PAYMENT PADA KOPERASI SYARIAH BMI KCP CISAUK

Abstract

ABSTRACT

This research aims to determine the effectiveness of the home financing program without down payment at the BMI Kcp Cisauk Sharia Cooperative. This research uses a descriptive quantitative approach. The population in this study was 710 members of the BMI Sharia Cooperative. The sampling technique used purposive sampling, the number of research samples used the Slovin method, and a research sample of 50 respondents was obtained. The primary data collection method is by distributing questionnaires while secondary data is obtained from the literature study. Effectiveness calculations use validity tests, reliability tests, and effectiveness criteria. Based on research results from testing the validity, reliability, and effectiveness criteria obtained in each instrument, the effectiveness variable with indicators of home financing products without a down payment and members' interest in owning a house without a down payment showed quite effective results. It can be concluded that the overall effectiveness of the home financing program without a down payment is 49.6%, showing quite effective results. The results of this research reflect that there are still things that need to be addressed in the home financing program without down payment at the BMI Kcp Cisauk Sharia Cooperative.

Keywords:             Home Financing, Down Payment, Sharia Cooperatives, and BMI Cisauk.