EFEKTIVITAS RESTRUKTURISASI PEMBIAYAAN DI MASA PANDEMI COVID-19 TERHADAP PENURUNAN NPF DI BANK SYARIAH INDONESIA

Abstract

 his study was conducted to determine the effectiveness of financing restructuring to decrease NPF in Indonesian Islamic Banks. The biggest income of a bank is in financing transaction activities. During the Covid-19 pandemic, banks experienced an increase in financing rates due to the implementation of community activities. To anticipate large losses to banks, the Financial Services Authority as a regulator protects with Bank Indonesia restructuring policies to save banks and create a burden on the public who will pay their obligations to banks. The methodology used is a descriptive qualitative method with a case study approach. The results of this study prove that the financing restructuring carried out by Bank BSI has been effective in reducing the NPF ratio, this is evidenced by the declining NPF ratio data compared to before the implementation of the financing restructuring.

Keywords: Covid-19; Financing Restructuring; NPF