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Journal : Jurnal Geuthee

Settlement of problematic murabahah financing for civil servants at bank aceh syariah Sabang branch Salsabila, Chindy; Susiana, Susiana
Jurnal Geuthèë: Penelitian Multidisiplin Vol 8, No 2 (2025): Jurnal Geuthèë: Penelitian Multidisiplin
Publisher : Geuthèë Institute, Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52626/jg.v8i2.408

Abstract

Article 23 of Law No. 21 of 2008 concerning Islamic Banking stipulates that, prior to the provision of financing, the bank must be assured of the prospective customer's ability to fulfill their obligations, one of which may be through salary deductions from Civil Servants (ASN). Bank Aceh Syariah provides financing to ASN under a murabahah contract, which requires the customer to make installment payments in accordance with the agreed terms. However, at Bank Aceh Syariah Sabang Branch, several cases of problematic financing were identified due to customers' failure to fulfill obligations under the contract. This research aims to examine the implementation of murabahah financing, identify the causes of financing default, and analyze the settlement efforts. The research method used is empirical juridical, combining interviews and literature review. The findings show that seven ASN customers were in default due to honorable discharge, dishonorable discharge, or death. Settlements included Sharia insurance claims for deceased or honorably discharged ASN, and formal warnings (somasi) as well as engagement with the customers family in cases of dishonorable discharge. It is recommended that BAS KC Sabang request additional collateral in the form of material guarantees, conduct thorough creditworthiness analysis, and apply the precautionary principle. Customers family are also expected to cooperate in resolving default cases.
Co-Authors - Nurfiana AA Sudharmawan, AA Ade Susanti Aditya Hikmat Nugraha Ahmad Zahid Ahmad, Faisal Ali Akbar, Gilbert Naufal Al Hujjah Asianingrum Al Zawari, Rafikal Alfarizi, Fathir Alya Rizkia Maharani Amran, Muh. Anshar Amran, Muhammad Anshar Andi Niartiningsih Anshari, Farhan Aphira, Gery Aprilia, Rofi’ah Nur Arif Rahman Ariyantiningsih, Febri Auliya, Yuka Amarasri Azijah, Izattul Basri Basri Billa, Nur Salsa Bukit, Emia Teta Br Chandra, Melissa Darmanto Darmanto Darwin Darwin Dedy Kurniawan Depitra, Depitra Desri, Syuryatman Dialam, Pangga Kurnia Entis Sutisna Erwindika, Okta Rolland Faizal, Kgs. M Febrianti Lestari Firmansyah, Dandy Fitri, Nurwijaya Ginting, Sarah Rumaisha BR Ginting, Sindi Rahmadhani Graha, Fager Van Guntur Kusuma Wardana Hafel, Muhlis Hertanto, Ari Suksmono Husen, Sjamsiar Imelyannari, Arum Rizki Iqbal Anshory, Muhammad Jusu, La Karyawati, Karyawati Khakhim, Ibnu Sabilu khusnul khotimah Kurniawan, Anggi Dwi Lubis, Latif Lukman Lukman M, Hasriani Mahfudh, Ahmad Mahuris, Aziz MARIA BINTANG Marlina, Winny Alna Meithyra Melviana Simatupang Meriyan, Meriyan Monica, Oey Jaya Angel MUHAMMAD ALI Muhammad Riza Hafizi Muslimin Muslimin N, Erizal Nabillah Azza, Fayra Nikmat, Atun Nur Hasan, Rezkiani Nurmiyatin, Mila Nurwisti, Isnaini Oktary, Qory Pohan, Anggi Amanda Pratama, Yogi Prayoga, Abednego Banny Prayoga, Arik Purbodiningrat, Movta Rahindra Purbodiningrat, RM. Movta Rahendra Puspitasari, Nur Azizah Ayu Rahmawati, Herlina Sheli Asofita Rapita, Rapita Rezky, Bintan Rianti, Ulfa RINI RINI Rochmady Rosniati, Veronika Rukayah, Nur Rumapea, Rahul Sabriyati, Deni Sagala, Yuri Sahilla, Dilla Salsabila, Chindy Samad, Asman Sanawati, Ciptia Khoirulina Saragih, Anggi Nur Ananda Sartika, Melliani Setiawan, Abednego Yongki Simanjuntak, Natalia Anggriani Sinaga, Dina Sinaga, Henna Canlaris Sinaga, Mega Vici Siti Samsiyah Sitio, Thesalonica Situmorang, Audrey Sri Buwono . Suhardi Suhardi Sukmana, Hardiyanti Sulandari, Siti Susanti, Neneng Desi Syafiah, Salma Putri Syarifah Syarifah, Syarifah Triana, Aprilya Wa Ode Husniah Wahyu Muzammil Wahyudi, Aris Agung Warneri . Wesley, Jhon Widodo, Sulistyo Widura, Widura Wiradinata, Hardi Wiyarsih Wiyarsih, Wiyarsih Yani, Fatma Chairda Yanti, Mira Yendra Yeshara, Yedu Yindrizal, Yindrizal Yulfika, Yulfika Zahra, Melkia