Smart Method To Determine Home Ownership Credit Financing Liquidity Facility For Housing Financing (KPR FLPP) For Low-Income Communities In Medan City (Case Study : Bank Syariah Indonesia)

  • Dedi Leman Universitas Potensi Utama Medan
Keywords: Subsidied Housing Smart Method Decision Support System


Population growth in Indonesia is always increasing every year so that the number of residential needs also increases. Higher house installaments make people think twice before buying a house. The lack of information about subsidied housing makes people think that the prices of some houses are relatively expensive so people choose to contract which will certainly drain income. Subsidied housing is an untaxed plus house with low interest. On the research this time using a Decision Support System that is called the option-based housing support system, using the smart method, which is able to help people select subsidied housing to fit the need. The implementation of this method aims to facilitate the selection of subsidied housing based on calculations from the criteria used as locations, public facilities, access to locations, the quality of buildings and the credibility of developers. The results of this system provide solutions in the form of the best alternatives to be determined based upon the ranking of smart calculations.


Leman, d, 2019” the best mineral water selection analysis and recommendations using the smart method (simple multy attribute rating technique), komik 2019

Alya nurseptiani, r, 2018 ” decision support system for subsidized housing using the fuzzy saw method in palembang city,skripsi universitas sriwijaya

Zaulfikar abbas. Test the chloride content in bottled drinking water (AMD) produced by the south west coast of Aceh. 2017

Indra sidik kurniawan. Proposed route for distributing bottled mineral water using the nearest neighbor and clarke & wright savings methods (case study at PT. X Bandung), reka integra issn: 2338-5081 © itenas industrial

Tisa Magrisa, the implementation of smart methods in the decision support system for selecting extracurricular activities for high school students. Mulawarman Informatics: the scientific journal of computer science vol. 13, no. 1 February 2018 49 e-issn 2597-4963 and p-issn 1858-4853

Fitri mairizki, analysis of the quality of drinking water refills around the campus of the Islamic University of Riau. Ministry of technology research and higher education Kopertis catalyst journal area x website:

Abd. Gafur. Study of the physical, chemical and biological qualities of bottled drinking water of various brands circulating in the city of Makassar in 2106, Issn (print) : 2443-1141 issn (online) : 2541-5301.

Faridha yenny nonci, et al. Analysis of the mineral content of sodium, potassium and calcium in packaged Zamzam water circulating in the city of Makassar. 2017.

Tia Imandasari, a decision support system in recommending the best unit in Pdam Tirta Lihou using the Promethee method, available at (31 October 2017) doi: 10.14710 / jtsiskom.5.4.2017.159-165 Journal of Technology and Computer Systems, 5 (4), 2017, 159-165

Ayu Prasandi, "Bank of North Sumatra Increases Distribution of Subsidized Cheap Homes" in, August 18. Jakarta. 2020.

Choiri, “Analysis of Accounting Information System for Prosperous Home Ownership Credit (FLPP) in an Effort to Improve Internal Control at PT. State Savings Bank (Persero) Tbk. Gresik Branch Office”. Journal of Economics and Creative Entrepreneurship. Vol. 1. No. 1. 2016.

Chrisna, Heriyati, et, al. “Analysis of Home Ownership Credit (KPR) Systems and Procedures with Murabahah Financing Contracts at PT. Bank BRI Syariah Medan Branch”. Journal of Public Accounting & Business, Vol. 11. No. 1. 2020.

Dervish, Amri. Islamic Education Research Methods, Jakarta: Rajawali Press, 2014.

Helmi Harris. Home Ownership Financing (An Innovation for Islamic Banking Financing). Journal of Islamic Economics. Jakarta. Vol. 1. No. 1. 2007.

Ismail, Sharia Banking, Jakarta: Kencana. 2011. Juliandi, Azuar et. al. Business Research Methodology, Medan: UMSU Press, 2014.

Soemitra, Andri. Islamic Banks and Financial Institutions, Jakarta: Kencana. 2009.

Cashmere. Banks and Other Financial Institutions. Jakarta: Rajawali Press. 2013