ANALISIS PENANGANAN PEMBIAYAAN BERMASALAH PADA BANK SYARIAH INDONESIA KC LUBUK PAKAM
DOI:
https://doi.org/10.30651/jms.v10i1.25370Abstract
Penelitian ini bertujuan untuk meningkatkan pemahaman dan analisis tentang bagaimana BSI KC Lubuk Pakam menangani pembiayaan bermasalah, Penelitian ini akan menganalisis strategi yang digunakan oleh bank, seperti restrukturisasi pembiayaan, penjadwalan ulang pembayaran, dan pendekatan komunikasi yang lebih intensif dengan nasabah. Studi ini menggunakan metodologi kualitatif deskriptif. Tujuannya adalah untuk menggambarkan dan menganalisis masalah pembiayaan di Bank Syariah Indonesia KC Lubuk Pakam. Hasil penelitian penulis menunjukkan bahwa masalah pembiayaan di bagian pembiayaan disebabkan oleh unsur-unsur internal dan eksternal. Kesalahan internal bank atau nasabah, seperti penilaian nasabah yang tidak mempertimbangkan lima faktor 5C dengan baik, adalah salah satu contoh faktor internal, kekurangan karyawan dalam menganalisis calon nasabah dengan teliti, atau ketidakmampuan nasabah dalam memenuhi kewajiban pembayaran karena berbagai alasan seperti kecelakaan, kematian, atau masalah keuangan. Sementara itu, faktor eksternal meliputi bencana alam seperti banjir, kebakaran, dan gempa bumi. Solusi untuk masalah ini adalah dengan meningkatkan analisis pembaiyaan kepada konsumen agar data dan fakta tetap konsisten.
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