TINGKAT RISIKO PEMBIAYAAN BERMASALAH DALAM AKAD MURABAHAH BIL WAKALAH TERHADAP EKSISTENSI DI BANK SYARIAH INDONESIA KANTOR CABANG PEMBANTU PURBALINGGA

ANITA, DESI AYU (2021) TINGKAT RISIKO PEMBIAYAAN BERMASALAH DALAM AKAD MURABAHAH BIL WAKALAH TERHADAP EKSISTENSI DI BANK SYARIAH INDONESIA KANTOR CABANG PEMBANTU PURBALINGGA. Bachelor thesis, UNIVERSITAS MUHAMMADIYAH PURWOKERTO.

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Abstract

Islamic banks, one of the financial institutions that serve as a bridge between those who have funds and those who lack funds for business activities and other activities in accordance with Islamic law. In connection with this, the level of risk caused by the existence of financing is quite high. Murabahah contract is one of the contracts used to finance working capital. Bank Syariah Indonesia implements a murabahah bil wakalah contract to meet customers' working capital. This is done because of the limitations of the bank in terms of procuring the right goods according to the customer's wishes, related to the procurement of merchandise sometimes the Bank has difficulty buying merchandise in accordance with the wishes of the customer which is usually more than one type of goods. Therefore, not a few customers are not responsible for spending funds that are not in accordance with the contract (side streaming). This study aims to find out what are the risks that arise due to non-performing financing and how to deal with risks and maintain the existence of the bank. This research uses field research with interview, observation and documentation data collection techniques. By using primary data sources derived from interviews and secondary data taken from journals, books, and legal products. Data analysis uses an inductive method, namely establishing validity by studying related cases to draw conclusions. Based on the research conducted by the author, it can be concluded that non-performing financing is very risky to the asset quality of Islamic banks due to Not Performing Financing, another risk experienced by banks, namely Indonesian Islamic banks experiencing a lack of capital ratios. Financing risk also occurs to customers. The risk that occurs to customers is that customers will be blacklisted by BI checking and SLIK. Therefore, in an effort to overcome non-performing financing, Bank Syariah Indonesia carried out several treatments and also prevention, namely an intensive approach with customers, maintenance, and deliberation.

Item Type: Thesis (Bachelor)
Uncontrolled Keywords: risk, non-performing financing, murabahah bil wakalah, Islamic banking.
Subjects: B Philosophy. Psychology. Religion > BP Islam. Bahaism. Theosophy, etc
K Law > K Law (General)
Divisions: Fakultas Agama Islam > Hukum Ekonomi Syariah S1
Depositing User: wulan
Date Deposited: 12 May 2022 07:07
Last Modified: 12 May 2022 07:07
URI: https://repository.ump.ac.id:80/id/eprint/11551

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