Analisis Penanganan Risiko Pembiayaan Murabahah di BMT Al-Hidayah
Analisis Penanganan Risiko Pembiayaan Murabahah di BMT Al-Hidayah
DOI:
https://doi.org/10.59580/iesbir.v2i3.6677Abstract
Abstract
The aim of this research is to analyze the risk management of Murabahah financing at BMT
Al Hidayah during the Covid-19 pandemic. This type of research is qualitative research with
descriptive methods. Data collection techniques used interview techniques with BMT Al
Hidayah Kawalu Tasikmalaya, observation and documentation. The research results show
that BMT Al Hidayah experienced a decrease in its Non- Performing Financing (NPF) ratio of
8.81% (2020) and 1.47% (2021). BMT Al Hidayah immediately carried out risk mitigation in
the form of reducing financing distribution, carefully implementing the precautionary activity
principle, and handling problematic financing. BMT Al Hidayah takes several actions, namely
preventive actions through financing analysis using the 5C principle and revitalization actions,
namely restructuring. Apart from that, BMT Al Hidayah also carries out curative actions,
implementing these actions is carried out if various other actions have been carried out. If
three warning letters have been issued, the final solution is to execute the guarantee or sell
the financing customer's assets.
Keywords: BMT; NPF; Financing
Abstrak
Tujuan penelitian ini adalah untuk menganalisis penanganan risiko pembiayaan Murabahah
pada BMT Al Hidayah pada masa pandemi Covid-19. Jenis penelitian ini adalah penelitian
kualitatif dengan metode deskriptif. Teknik pengumpulan data menggunakan teknik
wawancara dengan pihak BMT Al Hidayah Kawalu Tasikmalaya, observasi, dan dokumentasi.
Hasil penelitian menunjukkan bahwa BMT Al Hidayah mengalami penurunan rasio NonPerforming Financing (NPF) sebesar 8.81% (2020) dan 1,47% (2021). BMT Al Hidayah
melakukan mitigasi risiko berupa pengurangan penyaluran pembiayaan, penerapan prinsip
kegiatan-hatian yang dilakukan secara cermat, dan penanganan pembiayaan bermasalah.
BMT Al Hidayah melakukan beberapa tindakan yaitu tindakan preventif melalui analisis
pembiayaan yang menggunakan prinsip 5C dan tindakan revitalisasi yaitu restrukturisasi.
Selain itu, BMT Al Hidayah juga melakukan tindakan kuratif, pelaksanaan tindakan ini
dilakukan jika berbagai tindakan lain sudah dilakukan. Jika pemberian surat peringatan
sebanyak 3 kali sudah disampaikan, maka solusi jalan terakhir yaitu dengan mengeksekusi
jaminan atau penjualan aset nasabah pembiayaan.
Kata kunci: BMT; NPF; Pembiayaan
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Copyright (c) 2024 Agus Ahmad Nasrulloh, Anisa Maryanti, Suryanto Asep
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