1 research outputs found
Strategi Penyelesaian Pembiayaan Bermasalah Pada Pembiayaan Murābahah(Studi Kasus KJKS BMT Kube Colomadu Sejahtera)
The issue studied in this research is the analysis of the troubled
financing resolution on the murābaḥah financing in KJKS BMT Kube Colomadu
Sejahtera adjusted with Dewan Syariah Nasional Majelis Ulama Indonesia’s
fatwa number: 47/DSN-MUI/II/2005 about the settlement of murābaḥah’s
receiveables for customers who can’t afford to pay . Thereby, the purpose of this
research is to determine the settlement financing strategy of troubled murābaḥah
conducted by KJKS BMT Kube Colomadu Sejahtera and adjusted with DSN
MUI’s fatwa. In order to achieve that goal, researcher has used field research with
methods of data collection by ways of interview, documentation and observation.
The data source is KJKS BMT Kube Colomadu Sejahtera. As for the data
analysis, it was done using descriptive evaluative method.
From the research’s results, it is obtained that the causes of troubled
financing can come from the customer and BMT itself. As for the completion of
the financing strategy for the troubled murābaḥah conducted by KJKS BMT
Kube Colomadu Sejahtera is prevention and rescue effort for the troubled
financing. Prevention efforts, included: a. cash collection, b. rescheduling, c.
reconditioning, d .restructuring. Meanwhile, settlement efforts has done by
executing settlement collateral/guarantee, either with the disbursement of cash
collateral, billing to the guarantor, takeover of the collateral by BMT, collateral
sales voluntarily or through auction