Mekanisme Penanganan Pembiayaan Bermasalah Pada Produk KPR Syariah Bank Sumut Syariah KCP Kota Baru Marelan

Khairina Tambunan; Muhammad Sandi

doi:10.61132/menawan.v2i2.269

Authors

Khairina Tambunan Universitas Islam Negeri Sumatera Utara
Muhammad Sandi Universitas Islam Negeri Sumatera Utara

DOI:

https://doi.org/10.61132/menawan.v2i2.269

Keywords:

mechanism, problem financing, mortgage, North Sumatra sharia bank

Abstract

The researcher is interested and aims to investigate and analyze the mechanism for handling problematic financing implemented by Bank Sumut Syariah, especially at KCP Kota Baru Marelan. This research adopts a type of field research with a focus on phenomena or symptoms that occur in the field related to problematic financing in Sharia Home Ownership Credit (KPR) products provided by PT. Bank Sumut Syariah, especially at the Sub-Branch Office (KCP) Kota Baru Marelan. The results of this research are based on observation and scientific logical analysis of data collected from the field. Based on in-depth discussions, Bank Sumut Syariah, especially at KCP Kota Baru Marelan, has implemented a mechanism for handling problematic financing by paying attention to sharia principles. This process involves proactive communication, involvement of sharia experts, and customer openness. Customers, as represented by Mrs. Nilam Kurnia, gave positive testimony regarding the bank's approach in handling problematic financing.

Downloads

Download data is not yet available.

References

Bloom, Nicholas, and John Van Reenen. 2019. Faktor-Faktor Yang Memengaruhi Pembiayaan Bermasalah Di PT. Bank Muamalat Indonesia Kota Padangsidimpuan. NBER Working Papers. http://www.nber.org/papers/w16019.

Isela, Nur Ummi, and Santi Arafah. 2020. “Produk Pembiayaan KPR IB Multiguna ( Study Kasus Pada Pt . Bank Sumut Syariah KCP Marelan Raya).” Jurnal Mahasiswa Fakultas Ekonomi Dan Bisnis 1 (1): 559–67.

Ma’ruf, Faried. 2021. “Strategi Penyelesaian Pembiayaan Bermasalah.” Al-Tasyree: Jurnal Bisnis, Keuangan Dan Ekonomi Syariah 13 (02): 88–95. https://doi.org/10.59833/altasyree.v13i02.296.

Masalah, A Latar Belakang. 2019. “Islam Dan Lembaga Keuangan Syariah” 1 (1): 1–6.

Maulidina, Hikmatul. 2019. “PROSES PELAKSANAAN PERJANJIAN PEMBIAYAAN KEPEMILIKAN RUMAH DENGAN AKAD MURABAHAH PADA BANK SUMUT SYARIAH KCP KOTA BARU MARELAN.” Ekonomi, no. 2: 1–13.

Safira Utami, Ayu, and Reni Ria Armayani Hasibuan. 2022. “Prosedur Restrukturisasi Pembiayaan Murabahah Bermasalah Pada Pt. Bank Sumut Kcp Syariah Marelan Raya.” SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan 1 (5): 697–706. https://doi.org/10.54443/sibatik.v1i5.81.

Siregar, M. Agus Salim, and Reni Ria Armayani Hasibuan. 2022. “Analisis Penanganan Kredit Macet Nasabah Pada Produk Pembiayaan KPR IB Syariah Pada PT Bank SUmut Syariah Cabang Pembantu Marelan Raya.” Jurnal Ilmu Komputer, Ekonomi, Dan Manajemen (JIKEM) 2 (1): 556–64.