Restrukturisasi Pembiayaan Murabahah Bermasalah (Studi Pada Bni Syariah Cabang Kendari)

• Main Authors: Ummi Kalsum, Rahmi Rahmi
• Format: Article
• Language: English
• Published: Institut Agama Islam Negeri Kendari 2017-12-01
• Series: Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam
• Subjects: restructuring, murabaha problematic financing, in BNI Cab. Kendari
• Online Access: http://ejournal.iainkendari.ac.id/lifalah/article/view/654

This thesis research analyzes the process of restructuring on financing the problematic murābahah at PT. BNI Syariah Branch of Kendari. The results prove that the implementation of financing restructuring murābahah in PT. BNI Syariah Kendari Branch through rescheduling (rescheduling), reconditioning (Return requirements) and restructuring (reordering). While the constraints of restructuring implementation on Murabahah financing in PT. BNI Syariah Kendari Branch is originated from the financing customer itself either from the absence of good customer's intention to settle the troubled financing due to unwilling restructuring and unclear sources of payment after the restructuring. The bank overcomes these obstacles by taking precautions in analyzing the financing customers, and considering third party installments and taking decisive action with the sale of the customer's collateral assets.