Strategi Penanganan Pembiayaan Bermasalah pada Produk Pembiayaan
Abstract
Problematic financing is non-current financing given by BMT to members who cannot fulfill the requirements or the obligation to repay funds that have been loaned before on the due date. Handling of troubled financing must be carried out by all financial institutions, because BMT will experience losses if it turns out that the quality of financing that has been channeled is not good. The objectives of this research are: 1) To find out what are the factors that cause problem financing in the BMT NU Cabang Kesamben. 2) To take appropriate steps and strategies in handling problem financing in the BMT NU Cabang Kesamben. This study uses qualitative methods and takes location in the BMT NU Cabang Kesamben. The focus in this study is the Problematic Financing Management Strategy on Financing Products. The data sources in this study are the Chairperson and Marketing of the BMT NU Cabang Kesamben and Problematic Financing data. Data collection methods used are observation, interviews and documentation. The results of this study indicate that: first, the factors that led to the emergence of problematic financing in BMT NU Cabang Kesamben consists of internal factors arising from the BMT, as well as external factors that arise from the customer itself. Secondly, the handling strategy at the NU BMT Cabang Kesamben has been quite effective, as evidenced by the problematic financing data which has decreased every year. In handling troubled financing, the strategies used by BMT NU Cabang Kesamben are by doing it (re-survey, friendship, giving warning letters, billing after the due date, and finally doing rescheduling / rescheduling).
Downloads
References
Al Arif, M. N. R. (2012). Lembaga Keuangan Syariah: Suatu Kajian Teoretis Praktis. Pustaka Setia.
Amalia, N. (2016). Strategi Manajemen Pembiayaan Bermasalah Pada Produk Murabahah Di BMT Studi Kasus BMT Bina Ikhsanul Fikri dan BMT Bringharjo Yogyakarta. Skripsi: Fakultas Agama Islam.
Azmi, N. (2020). Problematika Sistem Ekonomi Islam Di Indonesia. Mutawasith: Jurnal Hukum Islam, 3(1), 44–64.
Dewi, N. (2017). Regulasi keberadaan baitul maal wat tamwil (bmt) dalam sistem perekonomian di indonesia. Serambi Hukum, 11(01), 96–110.
Elyana, S. N., & Sihotang, M. K. (2023). Peran Pembiayaan Murabahah Dalam Pengembangan Kinerja Usaha Mikro Pada Baitul Maal Wat Tamwil (BMT) UB Amanah Syariah Laut Dendang. Jurnal Manajemen Akuntansi (JUMSI), 3(4), 2642–2650.
Fauzia, I. Y. (2014). Prinsip dasar Ekonomi Islam Perspektif maqashid al-syariah. Kencana.
Hariyanti, S., Noviana, D., & Assyafik, M. Y. (2023). Mekanisme Penyelesaian Pembiayaan Bermasalah Pada Akad Murabahah (Studi Pada PT. BPRS Tanmiya Artha Kediri). WADIAH, 7(1), 21–40.
Irawan, M. (2015). Mekanisme Pasar Islami Dalam Konteks Idealita dan Realita. Jebis, 1(1), 67–78.
Kasmir. (2004). Manajemen Perbankan.
Masruron, M., & Safitri, N. A. A. (2022). Analisis Perkembangan Perbankan Syariah Di Indonesia Di Masa Pandemi Covid-19. Al Birru: Jurnal Keuangan Dan Perbankan Syariah, 1(1).
Setyaningtyas, P. (2016). Implementasi Akad Murabahah pada Produk Pembiayaan KPR di Bank Syariah Mandiri KC Purwokerto. IAIN Purwokerto.
Sofhiani, T. F. (2018). Strategi Penanganan Pembiayaan Bermasalah Pada Produk Pembiayaan Dalam Perspektif Manajemen Risiko Syariah Studi Pada Bmt Umy Yogyakarta (Issue 08423024). Universitas Islam Indonesia.
Supriyanto. (2018). Strategi Penanganan Pembiayaan Bermasalah Pada Produk Pembiayaan Syariah (Studi Kasus BMT Maslahah Cabang Sukowono Kabupaten Jember Tahun 2018) [Pascasarjana IAIN Jember]. http://digilib.uinkhas.ac.id/20604/
Usman, A. (2021). PENERAPAN MANAJEMEN RISIKO DALAM PEMBIAYAAN MURABAHAH BERMASALAH (Studi Kasus di Lembaga Keuangan BMT UGT Nusantara Capem Temuguruh Kabupaten Banyuwangi). Institut Agama Islam Darussalam Blokagung Banyuwangi.
Usman, R. (2009). Produk dan akad perbankan syariah di Indonesia.
Zainuddin, Z. (2021). Implementasi Akad Pembiayaan Murabahah Pada BMT UGT Sidogiri Cabang Jember. Istidlal: Jurnal Ekonomi Dan Hukum Islam, 5(2), 114–128.
Zainudin, M. (2015). Analisis penanganan pembiayaan murabahah bermasalah di BMT Surya Sekawan Mandiri dalam perspektif ekonomi Islam. UIN Walisongo.
Copyright (c) 2024 Inne Rosiana, Solihin Nasrudin, Hadi Sutrisno, Alifi Restu Putera, Hajarudin Hajarudin
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.