DAFTAR ISI. LEMBAR PERSETUJUAN... ii. LEMBAR PENGESAHAN... iii. DAFTAR LAMPIRAN... xiv

DAFTAR ISI Halaman LEMBAR JUDUL.................................................................................................. i LEMBAR PERSETUJUAN................................................................................. ii LEMBAR PENGESAHAN................................................................................. iii MOTTO................................................................................................................ iv ABSTRAK............................................................................................................. v KATA PENGANTAR.......................................................................................... vi DAFTAR ISI......................................................................................................... ix DAFTAR GAMBAR........................................................................................... xii DAFTAR TABEL.............................................................................................. xiii DAFTAR LAMPIRAN...................................................................................... xiv BAB I PENDAHULUAN 1.1

Latar Belakang Masalah ........................................................................... 1

1.2

Rumusan Masalah .................................................................................... 6

1.3

Tujuan Penelitian ...................................................................................... 6

1.4

Manfaat Penelitian .................................................................................... 7

1.5

Kerangka Pemikiran ................................................................................. 7

1.6

Metode dan Teknik Penelitian ................................................................ 14

1.6.1

Jenis dan Sumber Data .................................................................... 15

1.6.2

Teknik Pengumpulan Data .............................................................. 16

1.6.3

Metode Penentuan Sampel .............................................................. 18

1.6.4

Operasional Variabel ....................................................................... 20

1.7

Teknik Analisis Data .............................................................................. 21

1.7.1

Uji Validitas .................................................................................... 21

1.7.2

Uji Reliabilitas ................................................................................ 21

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1.7.3

Regresi Linear Sederhana ............................................................... 21

1.7.4

Uji Hipotesis ................................................................................... 22

1.7.5

Teknik Pengolahan Data ................................................................. 22

1.8

Sistematika Pembahasan ........................................................................ 22

BAB II FASILITAS LIKUIDITAS PEMBIAYAAN PERUMAHAN DAN DAYA BELI NASABAH 2.1 Konsep Likuiditas ........................................................................................ 24 2.2 Konsep Pembiayaan .................................................................................... 25 2.3 Ruang Lingkup FLPP (Fasilitas Likuiditas Pembiayaan Perumahan) ........ 26 2.3.1 Pengertian FLPP ................................................................................... 26 2.3.2 Tujuan dan Manfaat FLPP .................................................................... 28 2.3.3 Akad Dalam FLPP ................................................................................ 29 2.3.4 Jenis-jenis KPR FLPP........................................................................... 33 2.3.5 Proses Pembiayaan KPR FLPP............................................................. 34 2.3.6 Proses Pencairan Dana KPR FLPP ....................................................... 41 2.4 Ruang Lingkup Daya Beli ........................................................................... 44 2.4.1 Pengertian Daya Beli ............................................................................ 44 2.4.2 Faktor Yang Mempengaruhi Daya Beli ................................................ 45 BAB III FASILITAS LIKUIDITAS PEMBIAYAAN PERUMAHAN PADA PT. BRI SYARIAH KANTOR CABANG SUNIARAJA BANDUNG 3.1 Objek Penelitian .......................................................................................... 47 3.1.1 Sejarah berdirinya BRI Syariah KC. Suniaraja .................................... 47 3.1.2 Visi dan Misi BRI Syariah KC. Suniaraja ............................................ 49 3.1.3 Stuktur Organisasi BRI Syariah KC. Suniaraja .................................... 50 3.1.4 Produk-produk BRI Syariah KC. Suniaraja .......................................... 50 3.2 Pelaksanaan FLPP di BRI Syariah KC. Suniaraja ...................................... 53

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BAB

IV

PENGARUH

FASILITAS

LIKUIDITAS

PEMBIAYAAN

PERUMAHAN TERHADAP DAYA BELI NASABAH BERPENGHASILAN RENDAH DI BANK BRI SYARIAH CABANG SUANIARAJA 4.1 Tanggapan Responden ................................................................................ 56 4.1.1 Instrumen Penelitian (Pedoman kuesioner yang di gunakan dalam pengumpulan data) ......................................................................................... 56 4.1.2 Analisis Tanggapan Responden ............................................................ 58 4.2 Analisis Regresi ........................................................................................... 70 4.2.1 Korelasi Antara FLPP Terhadap Daya Beli Nasabah Berpenghasilan Rendah Di Bank BRI Syariah Cabang Suaniaraja ......................................... 70 4.2.2 Korelasi Determinansi .......................................................................... 71 4.2.3 Analisis Regresi FLPP Terhadap Daya Beli Nasabah Berpenghasilan Rendah Di Bank BRI Syariah Cabang Suaniaraja ......................................... 72 4.2.4 Pengujian Hipotesis .............................................................................. 72 BAB V SIMPULAN DAN SARAN 5.1 Simpulan ...................................................................................................... 75 5.2 Saran ............................................................................................................ 76 DAFTAR PUSTAKA.......................................................................................... 77

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DAFTAR GAMBAR Gambar 1.1

: Kerangka Pemikiran

Gambar 1.2

: Pengukur Kuisioner (Tabel Skala Likert)

Gambar 3.1

: Struktur Organisasi BRI Syariah Kantor Cabang Suniaraja

Gambar 4.1

: Garis Kontinum Variabel X (FLPP)

Gambar 4.2

: Garis Kontinum Variabel Y (Daya Beli)

Gambar 4.3 : Kurva Uji-t Dua Pihak Variabel FLPP Terhadap Variabel Daya Beli Nasabah berpenghasilan Rendah

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DAFTAR TABEL Tabel 1.1

: Variabel Operasional

Tabel 3.1

: Produk-Produk BRI Syariah Kantor Cabang Suniaraja

Tabel 4.1

: Uji Validitas FLPP

Tabel 4.2

: Uji Validitas Daya Beli Nasabah Berpenghasilan Rendah

Tabel 4.3

: Nilai Reliabilitas

Tabel 4.4

: Rentang Klasifikasi Variabel

Tabel 4.5

: Uji Pernyataan Variabel FLPP (Point 1)

Tabel 4.6

: Uji Pernyataan Variabel FLPP (Point 2)

Tabel 4.7

: Uji Pernyataan Variabel FLPP (Point 3)

Tabel 4.8

: Uji Pernyataan Variabel FLPP (Point 4)

Tabel 4.9

: Uji Pernyataan Variabel FLPP (Point 5)

Tabel 4.10

: Uji Pernyataan Variabel FLPP (Point 6)

Tabel 4.11

: Total Pembobotan Variabel FLPP

Tabel 4.12

: Uji Pernyataan Variabel Daya Beli (Point 1)

Tabel 4.13

: Uji Pernyataan Variabel Daya Beli (Point 2)

Tabel 4.14

: Uji Pernyataan Variabel Daya Beli (Point 3)

Tabel 4.15

: Uji Pernyataan Variabel Daya Beli (Point 4)

Tabel 4.16

: Uji Pernyataan Variabel Daya Beli (Point 5)

Tabel 4.17

: Uji Pernyataan Variabel Daya Beli (Point 6)

Tabel 4.18

: Uji Pernyataan Variabel Daya Beli (Point 7)

Tabel 4.19

: Total Pembobotan Variabel Peningkatan Kompetensi Karyawan

Tabel 4.20 : Korelasi Antara Variabel FLPP Terhadap Daya Beli Nasabah Berpenghasilan Rendah Tabel 4.21 : FLPP Terhadap Daya Beli Nasabah Berpenghasilan Rendah di Bank BRI Syariah Cabang Suniaraja Tabel 4.22

: Koefisien Regresi

Tabel 4.23 : Uji T Hitung Variabel FLPP Terhadap Daya Beli Nasabah Berpenghasilan rendah

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DAFTAR LAMPIRAN

Lampiran 1

: Kuisioner Variabel FLPP dan Variabel Daya Beli

Lampiran 2

: Surat Keputusan Dekan Fakultas Tentang Pengangkatan Dosen

Pembimbing Skripsi Lampiran 3

: Lembar Bukti Bimbingan Skripsi

Lampiran 4

: Daftar Riwayat Hidup

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