PENERAPAN PRINSIP 5C DAN 7P DALAM PEMBIAYAAN KREDIT PEMILIKAN RUMAH BANK XYZ SYARIAH

Banks are financial institutions that play an important role in individual financial management. Islamic banking provides financing services, namely Home Ownership Loans (KPR) which can provide solutions for customers to purchase / own a house. This study aims to explain how the application of the 5C and 7P principles in home ownership financing. Then, this study explains the effect of the 5C and 7P principles on the provision of financing, as well as its effect on the company's income of XYZ Islamic bank. A qualitative method with a case study approach has been used in this research. The researcher used interviews to answer the three research objectives. Interviews have been conducted to a group of people who are experts in their fields and have become the target of research. interviews that researchers conduct are structured interviews. This study found that in the 5C principle, namely Character seen during interviews using a psychological approach, Capacity seen in terms of finance (business financial statements, salaries, bank statements), Capital seen in the capital reserves owned at the time of submission of financing, Collateral is Second Opinion, Condition of Economy seen during OTS (On The Spot). Then in the 7P principle, namely Personality refers to differentiation, Party refers to cooperation, Purpose refers to mortgage financing, Prospect on innovation, Payment on payment, Profitability on risk evaluation, Protection on data security.

Keywords: KPR, 5C Principle, 7P Principle