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All Journal Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies
Mahathir Hefrianda
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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ANALISIS MANAJEMEN RISIKO AKAD PADA PEMBIAYAAN MUDHRABAH DI SEGMEN UMKM DI BANK SYARIAH INDONESIA KC JAMBI – GATOT SUBROTO Eja Armaz; Refky Fielnanda; Mahathir Hefrianda
Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi Vol. 3 No. 1 (2023): Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurimea.v3i1.250

Abstract

This study aims to determine the analysis of the Indonesian Islamic Bank (BSI) KC Jambi - Gatot Subroto regarding contract risk management in the distribution of mudharabah financing in the UMKM segment which is distributed to customers by Bank Syariah Indonesia. The purpose of this study was to find out how the role of the Indonesian Islamic Bank (BSI) KC Jambi - Gatot Subroto in analyzing the financing they channeled to customers greatly impacted Indonesian Islamic banks. The type of research method used is descriptive qualitative research on mudharabah contract financing in the UMKM segment at the Indonesian Islamic bank (BSI) Jambi - Gatot Subroto branch office regarding the distribution of mudharabah contract financing. It turns out that from the results of this study, the funds distributed were obtained by several factors that caused problems in financing mudharabah contracts in the UMKM segment such as internal and external factors, including internal factors such as inaccurate analysis, incorrectly predicting collateral or guarantees, and poor employee performance. good, then on external factors such as the global economy, natural disasters, declining sales levels and customers getting out of obligations during the contract. The results of this study are expected to be a reference and input for Bank Syariah Indonesia KC Jambi - Gatot Subroto in analyzing the risk of murabahah contract financing in the UMKM segment in the Indonesian Islamic bank KC Jambi - Gatot Subroto.
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 Eja Armaz Novi Mubyarto Okta Trisnawati Refky Fielnanda Rubiyanto Rubiyanto Titin Agustin Nengsih