PROBLEM SOLVING ANALYSIS OF PEOPLE'S BUSINESS CREDIT FINANCING BASED ON MURABAHAH AGREEMENT AT PT. BANK SYARIAH INDONESIA TBK. MAGELANG SINGOSARI SUB-BRANCH OFFICE
Main
Andi Faisal Ridho*
Chaidir Iswanaji
Suci Nasehati Sunaningsih
This study aims to determine the resolution of murabahah contract problems related to the factors that influence the micro-financing of the People's Business Credit (KUR) carried out by the financial institution PT Bank Syariah Indonesia Tbk., Magelang Singosari Sub-Branch Office in channeling People's Business Credit (KUR) funds. The method used in this study is descriptive qualitative and data analysis used in this study uses primary and secondary data. The results of the analysis of customer funding of Bank BSI Magelang Singosari Sub-Branch Office are inseparable from the factors and risks. One of them is bad money, which causes a decrease in bank liquidity and affects the reliability of customer savings. In the case of non-performing loans, banks must analyze the factors that affect bank liquidity so as not to cause losses and provide an analysis of bad credit settlement through time relief and installment assistance, especially if the creditor is affected by a disaster, if it is not paid on purpose, it will be confiscated.
Anshori, A. G. (2018). Perbankan syariah di Indonesia. UGM PRESS.
Arinta, Y. N. (2016). Analisis Perbandingan Kinerja Keuangan antara Bank Syariah dan Bank Konvensional (Studi Kasus pada Bank Syariah Mandiri dan Bank Mandiri). Muqtasid: Jurnal Ekonomi Dan Perbankan Syariah, 7(1), 119–140.
Azharudin, A., Sissah, S., & Subhan, M. (2021). Pelaksanaan Pembiayaan Dana Kredit Usaha Rakyat Melalui Akad Murabahah Di Bank Syariah Indonesia (BSI) Kantor Cabang Pembantu Sarolangun. UIN Sulthan Thaha Saifuddin Jambi.
Gustika, R. (2016). Pengaruh Pemberian Kredit USAha Rakyat terhadap Pendapatan Masyarakat Ladang Panjang Kec. Tigo Nagari Kab. Pasaman (Studi Kasus Masyarakat Pemilik UKM. Jurnal Apresiasi Ekonomi, 4(2), 107–115.
Ibrahim, A., & Rahmati, A. (2017). Analisis solutif penyelesaian pembiayaan bermasalah di bank syariah: Kajian pada produk murabahah di Bank Muamalat Indonesia Banda Aceh. Iqtishadia: Jurnal Kajian Ekonomi Dan Bisnis Islam STAIN Kudus, 10(1), 71–96.
Ilyas, R. (2019). Analisis Risiko Pembiayaan Bank Syariah. Jurnal Bisnis Dan Manajemen Islam, 7(2), 189–201.
Nofinawati, N. (2014). Akad dan produk perbankan syariah. Fitrah: Jurnal Kajian Ilmu-Ilmu Keislaman, 8(2), 219–234.
Sebayang, S. (2020). Manajemen Kepatuhan Dan Meningkatkan Kesehatan Perbankan Syariah. Jepa, 5(2), 156–165.
Soendari, T. (2012). Metode Penelitian Deskriptif. Bandung, UPI. Stuss, Magdalena & Herdan, Agnieszka, 17.
Sugiyono. (2017). Penelitian Kuantitatif Kualitatif dan R&D. Bandung: Alfabeta.
Turmudi, M. (2016). Manajemen penyelesaian pembiayaan bermasalah pada lembaga perbankan syariah. Li Falah: Jurnal Studi Ekonomi Dan Bisnis Islam, 1(1), 95–106.
Usanti, T. P., & Shomad, A. (2022). Transaksi bank syariah. Bumi Aksara.
