BSI Griya Product Management in Dealing with Problem Financing at BSI Bengkulu Sudirman Branch

Authors

  • Ardiansyah Ardiansyah Universitas Islam Negeri Fatmawati Sukarno Bengkulu
  • Supardi Mursalin Universitas Islam Negeri Fatmawati Sukarno Bengkulu
  • Debby Arisandi Universitas Islam Negeri Fatmawati Sukarno Bengkulu

DOI:

https://doi.org/10.30651/jms.v11i2.31345

Abstract

The purpose of this study is to determine the risk management process of BSI Griya products in Home Ownership Financing (PPR) and the strategic steps for its resolution implemented by Bank Syariah Indonesia (BSI) KCP Bengkulu Sudirman. The subjects in this study were the head of financing marketing, financing staff, financing settlement staff and three customers. This study uses a field research method with a qualitative descriptive approach, data collection includes interview techniques, observation and documentation, data presentation in the form of descriptive narratives of the relationship between components, and strategies implemented by the bank. The results of this study reveal that the risk management process, especially in BSI Griya home ownership financing products at BSI KCP Bengkulu Sudirman, is in accordance with the ISO 31000: 2018 framework which identifies, measures, monitors and controls by covering the 5C process strictly before the contract and disbursement, monitoring is carried out periodically after disbursement, customer classification based on the level of risk category and problematic financing resolution strategies are carried out through rescue and settlement efforts with customer character as the core factor of the cause of NPF.

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Published

2026-04-26

How to Cite

Ardiansyah, A., Mursalin, S., & Arisandi, D. (2026). BSI Griya Product Management in Dealing with Problem Financing at BSI Bengkulu Sudirman Branch. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 11(1). https://doi.org/10.30651/jms.v11i2.31345

Issue

Vol. 11 No. 1 (2026)

Section

Artikel

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