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Journal : SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah

Mekanisme Penyelesaian Kredit Macet dan Implikasinya terhadap Nasabah di PT. Adira Dinamika Multi Finance Cabang Pamekasan Maisaroh, Siti; Qomariyah, Noviyatul
SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Vol 7 No 3 (2025): SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah
Publisher : STEI Kanjeng Sepuh Gresik Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59636/saujana.v7i3.330

Abstract

Non-performing loans (NPLs) in consumer finance institutions are a critical issue that can affect financial stability and the continuity of business operations. In the Madura region, motorcycles have become a primary necessity. However, due to limited financial capacity, people tend to rely on credit facilities provided by financing institutions such as PT Adira Dinamika Multi Finance, Pamekasan Branch. This study aims to analyze the mechanisms used to resolve non-performing loans and examine their implications for customers from an Islamic economic perspective. The research employs a descriptive qualitative method with data collected through interviews, observations, and documentation. The findings reveal that PT Adira implements persuasive approaches, such as issuing warnings and engaging in negotiations, along with credit restructuring as initial steps to address problematic loans before resorting to legal measures. From the Islamic economic perspective, resolving non-performing loans should not only focus on institutional interest but must also uphold justice, public benefit (maslahah), and the debtor's moral responsibility. This reflects the importance of integrating Islamic ethical values into the governance of consumer financing, aiming to achieve a balance between financial goals and humanitarian values
Co-Authors - Martutik Abdullah Abdullah Adhadini, Denanda Anggun Alfentin Afrilia, Salsa Agus Susanti Ahmad Faris, Ahmad Ahya, Akhmad Sauqi Ainora, Eva Pungki Aintania, Rasyya Aisahara, Chindy Akbar, Muhammad Ikmal Alailia, Norma Putri Alfa Rahmiati, Alfa ALFIANTO, DANI Alif Nur Isna Amalia, Yayu Amin, Moh. Badruddin Anang Santoso Andika Adinanda Siswoyo Andini, Ira Sefi Andrian, Dedek Ardhya Yudistira Adi Nanggala Ariestia, Salwa Nabila Atma Murni Ayuningtyas, Yessy Tri Azizatul Mar’ati Badruzzaman, Raihan Bangun, Melly Br. Batubara, Santi Nurhasanah Belladona, Ladisa Virgiane Bijaksana, Rhafael Buntoro, Fuad Cahaya, Fitria Chalimah Damanik, Rodhiatam Mardiah Damayanti, Berlian Afilia Danuri, Danuri Dayuningsih, Dayuningsih Dewi, Dewi Puji Lestari Diantari, Pipit Dinar Mindrati Fardhani Diniyah, Chikmah Dwijonagoro, Suwarna El-Nabila, Syafiqoh Eliana, Mega Eva Eri Dia Fajriyah, Khomisatul Fiorenza, Argin Fiqih Hana Saputri, Fiqih Hana Fitri Resti Wahyuniarti, Fitri Resti Fitri, Shafirah Fitrianto, MUhammad Aziz Fredy Susanto Fudhaili, Achmad Gareta R., Ayu Ghandi, Septina Angeliza Gobel, Satria Gunawan Santoso Habibur Rohman Haddraturafilah, Arya Hadiatama, Dhafa Satria Hafifa, Nur Hakim, Zainul Hanafri, Muhammad Iqbal Hanif Hanif Hapzi Ali Hartanto, Virgo Budi Hartati, Yuli Hasanah, Firda Uswatun Hasbullah Ridwan, Muhammad Helty HELVITA, HELVITA Hendra Susanto Hendro Yulius Suryo Putro Heny Sulistyowati Heru Tjaraka Hidayanti, Ermia Huda, M Masrur I Ketut Mahardika Ibrahim, Faishal Mahmoud Adam Ibrohim Ika Afifah Nugraheni Imron Mawardi Indahyani, Nurul Isna, Alif Nur Iyan Irdiyansyah Izar, Julisah Jamhuri Jimat Susilo Julianti, M. Ramaddan KARTIKA, NURIL Kasno Khoirunisa, Alfiah Khuluqy, Hilmi Kumalasari, Trisa Kustina, Linda Lestari, Ery Dwi Lestari, Kurnia Lubis, Reza Handika Winata Lutfiatin, Yuni Mafluhah, Mafluhah Mahmudi, Kendid Mahyuni, Siti Maksum Radji Mar’ati, Azizatul Maria Ulfa Mashur Abadi Masyhuroh, Fauza K. Mawaddah, Dinda Mentari, Claudia Miftahul Ulum Moh. Ali Mu minin, Mu minin Muhammad Arsyad Muhammad Salim Akbar Mukminin, Mukminin Munawaroh, Ardilatul Mustikawati, Amelia Fitri Muthiah Muthiah, Muthiah Mu’minin Mu’minin, Mu’minin Nadhiroh, Aniswatun Nanda D.A, Ema Nina Permata Sari Nisa, Fitri Khairun Nova Estu Harsiwi Noviyanti, Leni Nugroho, Aditya Ardi Nur Hikmah Nur Islam, Galang Trifadli Nurabila, Laylin nurdiana arifah, nurdiana NURIL HIDAYATI Nursyaban, Muhammad Fickri Nursyahira, Putri Nurul Ainiy Nurul Dwi Novikarumsari, Nurul Dwi Otto Fajarianto P. Eko Prasetyo Pangestoeti, Wahyu Paroe, Septya Novita Pertiwi Prasmana, Angga Prastyo, Danang Pratiwi, Sriana Priangka, Nabila Aulia Putri, Andi Rani Anggraini Qomariyah, Noviyatul Qurrotul Aini Ramadhan, Diva Wahyu Ramdhan, Syaipul Ratna Wulandari Rhamadani, Shalshaleha Rizky, Anggiat Boga Roekhan Roekhan Rosalia Susila Purwanti Rosalia Susila Purwanti Saeful, Ahmad Salfiya, Salfiya SAMSUL HADI Sari, Endah Satrio, Rizky Wahyu Septiarini, Fiantika Setianik, Setianik Setiawan, Muhammad Andri Shofiyatul Lailiyah Siagian, Nurriyani Siregar, Maichel Cristiano Sirumapea, Agustinus Siti Fitriyah Stianingsih, Lilis Sudesta, Arga sudikan, setyo yuwono Sukhemi Sukhemi Sukhemi, Sukhemi Sumpena, Iwan Sunggono, Nova Teguh Suprijanto Suprijanto Susi Darihastining, Susi Sutaman, Sutaman Sutisna, Ujang Suwistika, Rima Syamsul Hilal Syarafina, Nihla Nurin Syarifah Nur Siregar Thayyibah, Uyun toro, Ridwan Toto Edidarmo Tri Harjana Triska Dewi Pramitasari Tullah, Rahmat Umaira, Putri Nabilah Vardhani, Afifah Kusuma Versiandika Yudha Pratama Vicry, Jaysal Wahid, Ahmad v Wahyudi, Heri Hendro Wahyuni, Devy Sri Wally, Firman Widyawati, Ide Inge Wijarnaka, Wijarnaka Wilyanti, Liza Septa Winarin, Winarin Wiyanto, Muhammad Saibani Wulandari, Arvita Indah Yayang, Dodi Andri Zainal Arifin Zaldy Rusli