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All Journal Al Maal: Journal of Islamic Economics and Banking
Ari Zulfikri
Ekonomi Syariah FAI Universitas Ibn Khaldun Bogor
Economics, Econometrics & Finance

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Strategi Penyelamatan Pembiayaan Bermasalah Pada Pembiayaan Murabahah Bank BNI Syariah Cabang Bogor Ari Zulfikri; Ahmad Sobari; Syarifah Gustiawati
Al Maal: Journal of Islamic Economics and Banking Vol 1, No 1 (2019)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v1i1.1776

Abstract

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.
Co-Authors Ahmad Sobari Syarifah Gustiawati