Strategi Penyelamatan Pembiayaan Bermasalah Pada Pembiayaan Murabahah Bank BNI Syariah Cabang Bogor
| Main Authors: | Zulfikri, Ari, Sobari, Ahmad, Gustiawati, Syarifah |
|---|---|
| Format: | Article info application/pdf Journal |
| Bahasa: | eng |
| Terbitan: |
Prodi Perbankan Syariah FAI UMT
, 2019
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| Subjects: | |
| Online Access: |
http://jurnal.umt.ac.id/index.php/jieb/article/view/1776 http://jurnal.umt.ac.id/index.php/jieb/article/view/1776/1156 |
Daftar Isi:
- In Islamic banking institutions, the term problem financing is not something foreign is heard. Almost all conventional and sharia banking institutions experience this, because not a few banking institutions are hampered by their growth and even have to stop their operations because they cannot overcome this problem. The Islamic banking sector is led to have a strategy in dealing with problem financing. Referring to the Bogor Branch of NPF Bank BNI Syariah data in 2016 (3.42%), 2017 (2.78%), 2018 (1.58), it is known that the NPF value at the Bogor Branch of BNI Syariah has decreased (considered good) , because it is still below the maximum standard NPF value set by Bank Indonesia (5%). Financing at the Bank BNI Syariah Bogor Branch continues to increase every year and the financing that is dominated is Murabahah financing. To achieve a good NPF value, the Bank BNI Syariah Bogor Branch uses a strategy to overcome problem financing, namely stay strategy and exit strategy. However, for the stage of saving the problematic financing the strategy used is to stay a strategy through financing restructuring efforts.