PROSEDUR PENGAJUAN PEMBIAYAAN PORSI HAJI PADA BANK MUAMALAT-KCP ZA PAGAR ALAM

Putri, Setianingsih (2026) PROSEDUR PENGAJUAN PEMBIAYAAN PORSI HAJI PADA BANK MUAMALAT-KCP ZA PAGAR ALAM. [Composition]

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Abstract

Pembiayaan haji plus merupakan salah satu produk layanan berbasis syariah yang ditawarkan oleh Bank Muamalat Indonesia untuk membantu masyarakat memperoleh nomor porsi haji khusus dengan waktu tunggu yang lebih singkat. Produk ini memberikan fasilitas dana talangan bagi calon jamaah yang belum memiliki dana setoran awal secara penuh, sehingga tetap dapat mendaftar haji melalui sistem SISKOHAT. Penelitian ini bertujuan untuk mengetahui prosedur pengajuan pembiayaan porsi haji pada Bank Muamalat KCP ZA Pagar Alam. Metode yang digunakan adalah deskriptif kualitatif dengan teknik pengumpulan data melalui observasi, wawancara, dan dokumentasi. Hasil penelitian menunjukkan bahwa prosedur pengajuan pembiayaan porsi haji di Bank Muamalat KCP ZA Pagar Alam telah dilaksanakan melalui beberapa tahapan yang terstruktur, meliputi pengajuan oleh nasabah, verifikasi kelengkapan dokumen, analisis kelayakan pembiayaan, hingga proses pencairan dana dan pendaftaran porsi haji melalui sistem SISKOHAT. Secara umum, prosedur tersebut telah berjalan sesuai dengan ketentuan operasional bank serta prinsip perbankan syariah yang berlaku. Kata kunci: pembiayaan haji plus, prosedur pengajuan, perbankan syariah. Hajj portion financing is one of the sharia-based financial products offered by Bank Muamalat Indonesia to assist the public in obtaining a special Hajj quota number with a shorter waiting period. This product provides financing facilities for prospective pilgrims who do not yet have sufficient funds for the initial deposit, enabling them to register for Hajj through the Integrated Hajj Computerized System (SISKOHAT). This study aims to determine the application procedure for Hajj portion financing at Bank Muamalat KCP ZA Pagar Alam. The research employed a descriptive qualitative method, with data collected through observation, interviews, and documentation. The results of the study indicate that the application procedure for Hajj portion financing at Bank Muamalat KCP ZA Pagar Alam is carried out through several structured stages, including customer application submission, document verification, financing eligibility assessment, fund disbursement, and Hajj quota registration through the SISKOHAT system. In general, the procedure has been implemented in accordance with the bank’s operational regulations and the applicable principles of Islamic banking. Keywords: Hajj portion financing, application procedure, Islamic banking.

Item Type: Composition
Subjects: ?? 300 ??
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Divisions: ?? d3_keu ??
Depositing User: 2605905177 Digilib
Date Deposited: 19 Jun 2026 02:27
Last Modified: 19 Jun 2026 02:27
URI: http://digilib.unila.ac.id/id/eprint/101049

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