Analisis penerapan prinsip 5C pada produk pembiayaan iB Griya Bank Jateng Syariah : studi kasus pada Bank Jateng Syariah Cabang Semarang

Kegiatan usaha yang dijalankan Bank Jateng Syariah terutama dalam kegiatan usaha lending (pembiayaan) dimaksudkan untuk memenuhi kebutuhan hidup masyarakat berupa penyediaan modal usaha untuk pembelian barang-barang produksi, modal kerja, pengembangan bisnis, pembangunan atau pembelian rumah, dan pembelian barang-barang konsumtif. Dalam pemenuhan kebutuhan masyarakat berupa hunian Bank Jateng Syariah hadir dengan produk pembiayaan berupa iB Griya Bank Jateng Syariah. Dalam memenuhi kebutuhan masyarakat tidak serta merta Bank Jateng Syariah merealisasikannya, terdapat beberapa aspek yang perlu diperhatikan. Untuk itu Bank Jateng Syariah menerapkan prinsip 5C untuk menjadi tolak ukur dari realisasi pembiayaan yang diajukan nasabah. Tujuan dari penelitian ini adalah untuk mengetahui bagaimana penerapan prinsip 5C yang dilakukan Bank Jateng Syariah Cabang Semarang terhadap penilaian produk pembiayaan iB Griya. Penelitian ini menggunakan metode penelitian kualitatif. Dimana penelitian tersebut di dapat dari hasil observasi, wawancara, dan dokumentasi terkait dengan objek yang diteliti. Selain itu penelitian ini ditunjang dengan adanya data primer dan sekunder dari beberapa literatur. Dari hasil penelitian diketahui bahwa dalam menilai seluruh pembiayaan yang diajukan debitur terutama dalam penilaian pembiayaan iB Griya Bank Jateng Syariah menggunakan dan mengaplikasikan alat analisis 5C tersebut dan disesuaikan dengan ketentuan yang dimiliki Bank Jateng Syariah dalam hal penilaian pembiayaan

Pictorial presentation of probable integrated circuit of proteins in drought and salt stress responses of <i>P</i>. <i>hysterophorus</i> leaves.

<p>Green circles denote proteins up-regulated, and red circles indicate down-regulated proteins in both stresses. Blue circles represent proteins up-regulated in drought and down-regulated in salt stress. Pink circles signify proteins up-regulated in salinity and down-regulated in drought stress. Double circles indicate proteins in isoform may be up- as well as down-regulated in stress conditions. Abbreviations for proteins: SOD, Superoxide dismutase; CAT, Catalase; GST, Glutathione s- transferase; GSH, Reduced glutathione; GSSG, Oxidized glutathione; SUS, Sucrose synthase; GR, Glutathione reductase; Asc, L-Ascorbic acid; MDHA, Monodehydroascorbate reductase; AScPx, Ascorbate peroxidase; DHA, Dehydroascorbate; DHAR, Dehydroascorbate reductase; TPP, Trehalose-phosphate phosphatase; PAO, Polyamine oxidase; AKR, Aldo keto reductase; Cys, Cysteine; SK, Shikimate kinase; SO, Sulfite oxidase; MTD, Mannitol dehydrogenase; PEPCase, Phosphoenolpyruvate carboxylase; MDH, Malate dehydogenase; SSADH, Succinate semialdehyde dehydrogenase; GABA, Gamma amino butyric acid; ACO, Aminocyclopropane carboxylate oxidase; MAPK, Mitogen activated protein kinase; WRKY, Transcription factor have very conserved core WRKYGQK motif; GAD, Glutamate decarboxylase; HOP, Hsp70-Hsp90 organizing protein; PEP, Phosphoenolpyruvate; UDP, Uridine diphosphate.</p

Scheme of work plan adopted for the present study.

<p>It included protein extraction from plant samples, sample preparation, isoelectric focusing (first dimension), SDS-PAGE (second dimension), tryptic digestion, mass spectrometry and retrieval of protein and encoding gene IDs.</p

Functional categorization of proteins identified in leaf of <i>Parthenium hysterophorus</i>.

<p>Functional categorization of proteins identified in leaf of <i>Parthenium hysterophorus</i>.</p

Venn diagram indicating the distribution of modulated proteins under drought and salinity.

<p>Each circle is corresponding to the number of identified proteins in response to individual stress. The number of common proteins represented by overlap region. The numbers of up-regulated and down-regulated proteins are represented by the arrow above and below horizontal line, respectively.</p

Hierarchical cluster investigation.

<p>Heat map expression of the protein-protein correlations under drought and salinity of <i>P</i>. <i>hysterophorus</i>. Correlation coefficients were calculated based on Pearson’s correlation method (Fig 11).</p

Sub-cellular share of proteins identified in <i>P</i>. <i>hysterophorus</i> leaves.

<p>Sub-cellular share of proteins identified in <i>P</i>. <i>hysterophorus</i> leaves.</p

Expression pattern of leaf proteome in each functional categories change under drought (left) and salt (right) stress.

<p>The percentage of up-regulated and down-regulated proteins is represented by the columns above and below x-axis respectively.</p