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muhammad Syahbudi, muhammad
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Journal : INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE

 1 
ANALYSIS OF STRATEGIES FOR RESOLVING PROBLEMATIC FINANCING IN REDUCING THE NON-PERFORMING FINANCING (NPF) RATIO: A CASE STUDY OF PT BANK SUMUT SHARIA SUB-BRANCH OFFICE RANTAUPRAPAT Lubis, Jainuar Amarullah; Syafina, Laylan; Syahbudi, Muhammad
International Journal of Cultural and Social Science Vol. 7 No. 1 (2026): International Journal of Cultural and Social Science
Publisher : Pena Cendekia Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53806/ijcss.v7i1.1269

Abstract

This study aims to analyze strategies for resolving problematic financing in an effort to reduce the Non-Performing Financing (NPF) ratio at PT Bank Sumut Sharia Sub-Branch Office (KCPS) Rantauprapat. The research employs a qualitative approach using a case study method, with data collected through interviews, observations, and documentation. Data analysis was conducted through data reduction, data display, and conclusion drawing. The findings indicate that the implementation of problematic financing resolution strategies through three main approaches preventive strategies, curative strategies, and execution strategies has proven to be effective. This effectiveness is evidenced by a decline in the NPF ratio from 3.7% in 2021 to 3.0% in 2024. The study concludes that integrated and consistently implemented strategies for resolving problematic financing are capable of reducing NPF levels, maintaining financial stability, and enhancing public trust in Islamic banking.
Co-Authors ADELIA, PUTRI Ahmadi Bi Rahmani, Nur Al-Hafidh, Muhammad Najmu Alfauziah, Halimah Safitri Alfiani, Rani Alkautsar Malau, Ridho Amanda, Putri Amiur Nuruddin Andri Soemitra Anggraini, Bunga Aqwa Naser Daulay Astri, Afiyah Dwi atika Atika Atika Azmi Lubis, Muhammad B Syarbaini, Ahmad Muhaisin Barus, Dana Syahputra Barus, Irwan Irawadi Barus, Muhammad Akbar Alghifari Batubara, Maryam Bi Rahmani, Nur Ahmadi Budi Darma Dayantri, Dayantri Dewi Ratnasari Efendi, Nadya Ananda Elfi Barus, Elida Elida Elfi Barus, Elida Elfi Fadhila Rahma, Tri Inda Fatimah Zahara Fauziyah, Auliya Fridayani, Lola hafiz, Achmad Al-Hafiz Lubis Hairani Hairani Harahap, Astri Sri Rezeki Harahap, Indah Uzrisa Harahap, Lia Novianty Harahap, Muhammad Ikhsan Harahap, Muhammad Risalah Harahap, Rahmat Daim Hsb, Sarmania Husna, Adila IHSAN, MUHAMMAD FIKRI Ikhsan, Muhammad Hafiz Imsar, Imsar Indah, Tia Mardiana Indra, Ahmad Perdana Indradewa, Rhian Indriyani, Heny Irfah Alwainiy, Irfah Irham, Mawaddah Isnaini Harahap Laylan Syafina Lazura, Sofia Lubis, Hana’ Salsabila Lubis, Jainuar Amarullah M. Yogi Riyantama Isjoni Maidalena Maidalena, Maidalena Marliyah, Marliyah Muhaisin, Ahmad Muhammad Arif Muhammad Ikhsan Muhammad Iqbal Muhammad Lathief Ilhamy Nasution Muhammad Sholeh Khan Mustafaruddin, Mustafaruddin Mustapa  Khamal  Rokan Muttaqin, Muh. Syaukin Nasution, Amalia Nasution, Juliana Nasution, Venny Fraya Hartini Nawawi, Zurinal M. Nuri Aslami Nursantri Yanti Nurul Hasanah Nurul Inayah Nuruljannah, Nuruljannah Nurwani Oktavia, Rizka Dwi Pane, Mutiara Sawitri Pradani, Ellysa Pranata, Mhd Harry Putri, Eka Khayana Putririani Qarni, Waizul Rahma, Tri Inda Fadhila Rahmani, Nur Ahmadi Bi Rahmi Syahriza, Rahmi Ramadhani, Sri Rambe, Masnum Ramil, Fadlika Dwi Rao, Rofiqoh Hannum Reza Nurul Ichsan Rika Utari Ritonga, M Akmal Parlindungan Rizki Nasution, Nadiah Rohima Rohima Sabrina, Luthfia Salsabila, Raja Putri Salwa, Faridah Saragih, Dini Setiana Saragih, Lailan Usniyah Silalahi, Purnama Ramadani simarmata, eprimanta Siregar, Donny Akbar Siregar, Isafitri Siregar, Rajab Siregar, Sonia Afna Siregar, Zultri Aulia Siti Aisyah Sitorus, Riska Wulandari SRI RAHAYU sri sudiarti Sudarmansyah, Sudarmansyah Sugesti, Tuti Sugianto Sugianto Suhardina Syakir, Ahmad Tambak, Ayub Umar, M. Ridwan Venny Fraya Hartin Nst Wahyu Syarvina Yati, Fenni Windi Yusrizal Yusrizal Zainal Arifin Zein Lubis, Sari Purnama