PERLINDUNGAN KONSUMEN PADA PRODUK KREDIT PEMILIKAN RUMAH DITINJAU DARI PERSPEKTIF ISLAM (STUDI DI BANK TABUNGAN NEGARA KANTOR CABANG SYARIAH BOGOR)

Abstract

This research is motivated by the importance of consumer protection for banking customers,
especially housing. The purpose of this study was to determine the contract and mechanism of
mortgage financing, the responsibilities of bank BTN as the provider of mortgage products, and
whether there are Islamic values in consumer protection at Bank BTN Syariah KC Bogor. This
research was conducted at Bank BTN Syariah KCS Bogor General Sudirman Street. This research
is qualitative and the data collection method is by conducting interviews, observations and
documentation at BTN KCS Bogor. The analysis used in this research is descriptive qualitative.
The results showed that the contracts used in mortgage financing at Bank BTN KCS Bogor were
murabahah and wakalah. Consumer protection still needs to be improved.