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All Journal El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies
Okta Trisnawati
UIN Sulthan Thaha Saifuddin Jambi
Religion Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Analisis Strategi Penanganan Pembiayaan Fasilitas Likuiditas Pembiayaan Perumahan (FLPP) Bermasalah pada Akad Murabahah di Bank Syariah Indonesia (BSI) Kcp Jambi Hayam Wuruk Mahathir Hefrianda; Rubiyanto Rubiyanto; Dara Amiati; Okta Trisnawati; Titin Agustin Nengsih; Novi Mubyarto
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 8 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i8.12701

Abstract

The Housing Financing Liquidity Facility (FLPP) is a government program designed to provide affordable housing for Low-Income Communities (MBR). In practice, FLPP financing implemented through murabahah contracts is exposed to the risk of non-performing financing (NPF). This study aims to identify the factors causing problematic FLPP financing and analyze the handling strategies implemented by Bank Syariah Indonesia (BSI) KCP Jambi Hayam Wuruk. This research employs a qualitative method with a case study approach. Data were collected through in-depth interviews, observation, and documentation. Data analysis was conducted using the Miles and Huberman model, consisting of data reduction, data display, and conclusion drawing. The findings indicate that problematic financing is caused by internal factors, including low payment discipline and customer moral hazard, as well as external factors such as declining income due to economic instability. The handling strategies implemented include intensive collection efforts, persuasive approaches, periodic monitoring, and financing restructuring in accordance with Islamic principles. These strategies contribute to maintaining financing quality while providing protection for customers experiencing financial difficulties.
Analisis Strategi Penanganan Pembiayaan Fasilitas Likuiditas Pembiayaan Perumahan (FLPP) Bermasalah pada Akad Murabahah di Bank Syariah Indonesia (BSI) Kcp Jambi Hayam Wuruk Mahathir Hefrianda; Rubiyanto Rubiyanto; Dara Amiati; Okta Trisnawati; Titin Agustin Nengsih; Novi Mubyarto
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 8 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i8.12701

Abstract

The Housing Financing Liquidity Facility (FLPP) is a government program designed to provide affordable housing for Low-Income Communities (MBR). In practice, FLPP financing implemented through murabahah contracts is exposed to the risk of non-performing financing (NPF). This study aims to identify the factors causing problematic FLPP financing and analyze the handling strategies implemented by Bank Syariah Indonesia (BSI) KCP Jambi Hayam Wuruk. This research employs a qualitative method with a case study approach. Data were collected through in-depth interviews, observation, and documentation. Data analysis was conducted using the Miles and Huberman model, consisting of data reduction, data display, and conclusion drawing. The findings indicate that problematic financing is caused by internal factors, including low payment discipline and customer moral hazard, as well as external factors such as declining income due to economic instability. The handling strategies implemented include intensive collection efforts, persuasive approaches, periodic monitoring, and financing restructuring in accordance with Islamic principles. These strategies contribute to maintaining financing quality while providing protection for customers experiencing financial difficulties.
Co-Authors Dara Amiati Mahathir Hefrianda Novi Mubyarto Rubiyanto Rubiyanto Titin Agustin Nengsih