STRATEGI PENANGANAN PEMBIAYAAN BERMASALAH PADA PEMBIAYAAN MURABAHAH DI MASA PANDEMI COVID-19

Abstract

As a sharia financial institution, Bank Syariah Indonesia KC Daanmogot Tangerang's business activities are collecting public funds in the form of savings and channeling them in the form of loans. Murabaha financing, which is most popular with the public. Financing to customers cannot be separated from various risks, one of which is problematic financing which results in a decline in the health level of bank liquidity and the level of debtors' trust in the bank. This study was conducted to examine the handling strategies used by banks for problematic financing during the Covid-19 pandemic. The main problem here is, first, what are the factors causing problematic financing during the Covid-19 pandemic, second, what is the strategy for handling problematic financing in murabahah financing. The type of research used is field research with a qualitative approach. Data sources consist of primary and secondary obtained through interviews and documentation. The collected data was analyzed using descriptive analysis methods. The results of this research concluded that the factors causing financing problems during the COVID-19 pandemic could come from customers and Bank Syariah Indonesia. The strategy for handling problematic financing during the Covid-19 pandemic is by approaching customers, collecting intensively, providing warning letters and restructuring.