Strategi Penyelesaian Pembiayaan Bermasalah Pada Transaksi Murabahah Pada PT. Bank Muamalat Indonesia (BMI) Cabang Palu dalam Perspektif Ekonomi Syariah (original) (raw)
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2020
PT. Bank BNI Syariah Sub-Branch Office Kolaka is one of the financial institutions tasked with raising funds from the public and channeling funds to the public in the form of financing based on sharia principles. Financing at PT. Bank BNI Syariah Sub Branch Office of Kolaka uses murabaha contract, where the financing is inseparable from the constraints that result in problematic financing (default) so a handling strategy is needed in resolving these constraints. The formulation of the problem in this study is what factors cause the occurrence of problematic murabaha financing at PT. BNI Syariah Bank Branch Office Kolaka Assistant? and how the strategies implemented by PT. BNI Syariah Bank Branch Office Kolaka in resolving murabaha financing problems? The research objective is to determine the factors causing the occurrence of problematic murabaha financing and strategies for solving problematic murabaha financing at PT. BNI Syariah Bank Branch Office Kolaka Assistant. The research method used is a qualitative approach to the type of descriptive research. The study was conducted through the stages of observation, interviews and documentation. The results showed that the factors that caused murabaha financing problems at PT. Bank BNI Syariah Sub-Branch Office Kolaka is an external factor (from customers), among others due to a decrease in turnover, customer business closure, demotion, bad character, customers doing dishonest things and deviating from the contract. Therefore, the bank made several efforts to settle this problematic murabaha financing with a collection strategy, deliberation, giving warning letters up to 3 times, rescheduling, taking over, selling other assets, selling voluntary collateral, auctioning, and write off.
Strategi Penanganan Pembiayaan Bermasalah Pada Produk Bank Syariah
Ecobankers : Journal of Economy and Banking
This study discusses the strategy for handling problematic financing at Islamic banks, based on field reviews, many problems occur to consumers in terms of financing, especially certain products due to several factors, so the purpose of this study is to find out strategies for handling problematic financing on consumer products at BSI KCP Cirebon. Plered 2, then what are the factors that cause problematic financing for Consumer Products at BSI KCP Cirebon Plered 2 and what are the steps to anticipate if there is an opportunity for non-performing financing to occur in consumer products at BSI KCP Cirebon Plered 2. The method used is a qualitative method, with the results The following research shows that the strategy for handling non-performing financing in consumer financing products carried out by BSI KCP Cirebon Plered 2 is by strengthening the company's Human Resources (HR), coaching to customers by contacting customers by calling n telephone calls, visiting the customer'...
Strategi Penyelesaian Pembiayaan Bermasalah di KSPPS BMT Bahtera Pekalongan
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Pembiayaan Macet di KSPPS BMT Bahtera Pekalongan sejak tahun 2021 terhitung 75 orang nasabah yang bermasalah. Di KSPPS BMT Bahtera Pekalongan selama ini telah dilakukan upaya-upaya menangani pembiayaan bermasalah. Namun banyak nasabah yang masih mengalami pembiayaan bermasalah. Oleh karena itu, penulis tertarik untuk mengkaji tentang Strategi Penyelesaian Pembiayaan Bermasalah. Pendekatan yang digunakan dalam penelitian ini adalah pendekatan kualitatif, yaitu prosedur penelitian yang menghasilkan data deskriptif berupa studi kasus, jenis penelitiannya yaitu berupa studi kasus. Hasil penelitian ini adalah faktor-faktor pembiayaan bermasalah yaitu dengan adanya faktor Intrenal dan eksternal. Terdapat 2 faktor yang menyebabkan terjadinya pembiayaan. Faktor pertama Kurang baiknya pemahaman atas bisnis nasabah dan faktor internal yaitu Kurang dilakukan evaluasi keuangan nasabah dan lain-lain. Faktor kedua, yaitu faktor eksternal terjadinya kelalaian anggota untuk membayar angsuran atau ...
Strategi Penanganan Pembiayaan Bermasalah Pada Umkm DI Masa Pandemi COVID-19
PROSIDING SENANTIAS: Seminar Nasional Hasil Penelitian dan Pengabdian kepada Masyarakat, 2021
The COVID pandemic is one of the external factors that caused problems for Islamic banks, business-based micro-financing, or working capital in the People's Business Credit (KUR) product. This is because many Micro, Small, and Medium Enterprises are affected by this pandemic. Therefore, it is important to have problems handling strategies to monitor the quality of financing. This study was conducted at Bank Rakyat Indonesia Syariah (BRIS) Kepanjen Malang Sub-Branch Office using a qualitative approach. Data collection techniques used interview, observation, and documentation methods. The results of the study found that there are several ways or strategies used by BRIS Kepanjen Malang Branch, namely a) working with a finance insurance agency; b) Consultation, c) Negotiation for financing restructuring or contract conversion. When this third strategy has not been able to solve the problem, the solution strategy is to; a) sale and execution of guarantees through the Office of State Wealth and Auction Services (KPKNL); b) Settlement through the judiciary.
Strategi Lembaga Keuangan Syariah Menghadapi Pembiayaan Bermasalah Di Masa Pandemi COVID-19
2021
The COVID-19 pandemic period is a disease outbreak that has brought the community's economy to a drastic decline because this outbreak resulted in the cessation of the community's business wheels and not only that, the banking sector, industry and so on were affected. So that people's income decreases and also results in the fulfillment of obligations, especially in payment of financing installments at Islamic financial institutions (LKS). This research is a type of descriptive qualitative research in which researchers conduct field studies to obtain accurate information by conducting interviews, from these results data analysis and data credibility are carried out in order to get good results. This results in LKS providing leeway and not everything depends on each financial institution which has its own policy, starting from reducing the amount of installment payments.
2017
This article aims to study the triggering factors of financing problems in BMI Banda Aceh and the policies taken to resolve the issues. In particular, the article also examines the effectiveness of applying these policies in reducing financing problems in BMI Banda Aceh. This research is expected to be a framework or model for other Islamic banks that have similar problems. The data was collected using an in-depth interview and documentation study. In analyzing data, this article utilized descriptive analysis method with qualitative approach. The findings show that finacing problems at BMI were triggered by 1) customers, 2) internal bank, and 3) fictitious factors. BMI applied a comprehensive policy to solve the problems starting from prevention to the culmination. The resolving techniques consist of ‘on the spot’, summons, billing, restructuring, collateral selling and written off, and penalty charging. In addition, BMI has also applied internal policy to the case that was not regu...
Analisis Strategi Penanganan Pembiayaan Bermasalah Di Baitul Mal Wat Tamwil (BMT) Insani Sadabuan
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Non-performing financing can affect BMT Insani Sadabuan's income. From this it requires handling to overcome these problematic financing. The purpose of this research is to find out the strategy for handling problematic financing carried out by Baitul Mal Wat Tamwil (BMT) Insani Sadabuan. This research is a field research with a qualitative approach. The results of the study discuss about financing problems caused by two factors, namely internal factors (originating from BMT Insani Sadabuan) and external factors (originating from members). Handling problematic financing at BMT Insani Sadabuan by contacting members by telephone, direct billing to customer locations, providing Qardul Hasan capital, coaching members, and rescheduling. Keywords: Handling Strategies, Problematic Financing
Strategi Pencegahan Pembiayaan Bermasalah pada BPRS di Kabupaten Bogor
AL-MUZARA'AH, 2020
Financing is channeling funds carried out by Islamic banks, such as Islamic rural banks (BPRS). Risk arising from financing is default risk assessed by the ratio of Non Performing Financing (NPF). BPRS in the area of Kabupaten Bogor have NPF values above the safe limit set by Bank Indonesia. The purpose of this study is to identify the causes and solutions of default financing and formulate strategies for preventing default financing of BPRS in Kabupaten Bogor. The method used in this study is Analytic Network Process (ANP). The total respondents in this study are five. The result showed that external cause is the most influential factor towards the occurrence of default financing. The most influential external cause is customer's bad intention. External solution is the priority solution that need special attention. The priority external solution is strengthening the analysis. The most influential internal cause is adverse selection. Internal solution that is prioritized is trai...
2016
Pembiayaan murabahah merupakan bagian akad dalam jual beli, dan termasuk dalam kategori pembiayaan konsumtif di Bank Syariah Mandiri KC Purwokerto. Pembiayaan konsumtif ini merupakan pembiayaan yang paling diminati oleh nasabah pembiayaan di bandingkan dengan produk-produk pembiayaan yang lain. Dilihat dari realita tersebut mengenai minat nasabah yang begitu besar dalam transaksi pembiayaan konsumtif, maka tentunya besar kemungkinan bahwa pembiayaan bermasalah yang paling sering terjadi di Bank Syariah Mandiri KC Purwokerto adalah pembiayaan dalam sektor pembiayaan konsumtif yang dalam hal ini adalah pembiayaan murabahah. Tujuan penelitian ini adalah untuk mengetahui bagaimana sistem penanganan pembiayaan bermasalah pada akad murabahah di Bank Syari‟ah Mandiri KC Purwokerto, berikut dengan langkah-langkah apa saja yang diambil dalam penanganan pembiayaan bermasalah pada akad murabahah di Bank Syari‟ah Mandiri KC Purwokerto. Penelitian yang penulis lakukan adalah penelitian lapangan ...
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah, 2018
Islamic banking has a main function to distribute funds to the community in need in the form of financing. Financing is a large part of the assets of sharia banks that must be maintained in term of quality. Financing is one of the functions of sharia banks by distributing funds to the community in need (user of funds). One of the contracts used by sharia banks in distributing funds in the form of financing is mudharabah contract. The mudharabah contract is a profit-sharing agreement when the shohibul mall /rabbul mall provides capital (100 percent) to mudharib, to engage in productive activities in which the profit generated will be divided among them according to the agreement specified in the contract.This study is aimed to know and understand how the application of mudaraba contracts and banking strategies in overcoming a financing with mudaraba contracts that are problematic, and to know and understand whether the applied strategy is in accordance with the Fatwa (policies) of...