IMPLEMENTASI MANAJEMEN RISIKO PEMBIAYAAN TERHADAP NASABAH MACET PADA BANK SYARIAH INDONESIA KCP SYIAH UTAMA 2 ACEH

Authors

  • Junaidi Institut Agama Islam Almuslim Aceh Author
  • Muslim Institut Agama Islam Almuslim Aceh Author
  • Nisa Institut Agama Islam Almuslim Aceh Author

Keywords:

Risk Management, Troubled Financing

Abstract

This research was conducted to determine the factors of the occurrence of problem financing and the application of risk management in an effort to prevent the occurrence of problem financing at PT. Bank Syariah Indonesia KCP Syiah Utama 2. This study uses a qualitative research method with a descriptive approach. Data collection techniques used are interviews and documentation. The results of the research show that the factors of problematic financing consist of internal factors and external factors. The application of risk management used is risk identification, risk measurement, risk monitoring and risk control. The four risk management processes above include 5C analysis, document completion, and routine monitoring by conducting daily visits. In solving problem financing PT. Bank Syariah Indonesia KCP Syiah Utama 2 uses a persuasive approach by holding deliberations which are then applied to rescheduling, reconditioning, restructuring, and execution of guarantees. The application of risk management used has been running effectively in minimizing the risk of non-performing financing. This is evidenced by an increase in Non Performing Financing (NPF).

Author Biographies

  • Junaidi, Institut Agama Islam Almuslim Aceh

    Program Studi Perbankan Syariah

  • Nisa, Institut Agama Islam Almuslim Aceh

    Program Studi Ekonomi Islam

References

Adistira. Konsepsi Wisata Halal di Aceh: Kajian Terhadap Wisata Budaya dan Sejarah di Provinsi Aceh. Community: volume 8, nomor 2, Oktober 2022 p-ISSN: 2477-5746 e-ISSN: 2502-0544

Al-Farisi, M. A. Islamic Business Ethics: A Survey of the Literature. Journal of Islamic Ethics, 1(1), 69-91. 2017

Andriyani dkk. Sustainabilitas UMKM Produk Makanan di Kabupaten Bireuen. The 2nd Widyagama National Conference on Economics and Business (WNCEB 2021)

Badroen. S. dkk. Etika Bisnis dalam Islam. Jakarta Kencana. 2006.

Ermawan. Pengaruh Globalisasi terhadap Eksistensi Kebudayaan Daerah di Indonesia. Jurnal Kajian Lemhannas RI.Edisi 32. desember 2017.

Husein Syahata, Etika. (Jakarta: Gramedia Pustaka Utama, 2002)

Khan, M. A. "Ethical Dilemmas in Global Business: Multinational Companies in the Islamic World." Routledge. 2018.

Zuraihan dkk. Bireuen Sebagai Kota Juang. Jurnal Rekayasa Teknik dan Teknologi. REKATEK p-ISSN 2407-8123. 2023

Published

29-06-2023

How to Cite

Junaidi, Muslim, & Nisa. (2023). IMPLEMENTASI MANAJEMEN RISIKO PEMBIAYAAN TERHADAP NASABAH MACET PADA BANK SYARIAH INDONESIA KCP SYIAH UTAMA 2 ACEH. Jurnal Syariah Dan Ekonomi Islam , 1(1), 37-43. https://ejournal.iai-almuslimaceh.ac.id/index.php/JSEI/article/view/23