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All Journal INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Madani: Multidisciplinary Scientific Journal
Lubis, Jainuar Amarullah
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Medicine & Pharmacology Physics Public Health Social Sciences Other

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Journal : INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE

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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 Daulay, Adelia Natasya Laylan Syafina M. Iqbal muhammad Syahbudi, muhammad Nugroho, Dimas Akbar