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All Journal AT-TURAS: Jurnal Studi Keislaman Al-Mahkamah: Jurnal Hukum, Politik dan Pemerintahan
Adinda Rifantini
Universitas Trunojoyo Madura
Arts Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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The Role of Government Policy in the Development of Green Sukuk in Indonesia: Peran Kebijakan Pemerintah dalam Pengembangan Green Sukuk di Indonesia jannatul Rohaini jannatul Rohaini; Adinda Rifantini; Mashudi
Al-Mahkamah: Jurnal Hukum, Politik dan Pemerintahan Vol 1 No 3 (2024): Desember
Publisher : PT Syamilah Literasi Islami

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Abstract

Green sukuk memiliki potensi besar dalam mendukung transisi menuju ekonomi berkelanjutan dengan menyediakan sumber pendanaan untuk proyek-proyek ramah lingkungan. berupa instrumen keuangan yang menggabungkan prinsip-prinsip keuangan Islam dengan kelestarian lingkungan, memiliki potensi besar dalam mendukung transisi Indonesia menuju ekonomi berkelanjutan. tantangan seperti kurangnya kesadaran dan kapasitas institusi keuangan perlu diatasi untuk mengoptimalkan kontribusi Green Sukuk. Metode yang digunakan dalam penelitian ini adalah metode kualitatf yang dipakai untuk mencermati objek yang diteliti. Hasil penelitian menunjukkan pemerintah memiliki kontribusi besar dalam mengembangkan green sukuk di indonesia, seperti menangani tantangan tantangan yang menghambat keoptimalan green sukuk yang bisa diatasi Melalui penguatan regulasi, sosialisasi, inovasi produk, dan kerjasama internasional, juga membahas sektor-sektor yang dapat dibiayai oleh Green Sukuk, seperti energi terbarukan, pengelolaan sumber daya alam berkelanjutan, efisiensi energi, dan transportasi berkelanjutan dengan harapan pasar Green Sukuk dapat terus berkembang dan mendukung pencapaian tujuan pembangunan berkelanjutan di Indonesia. Hal ini dapat membantu dalam meningkatkan kualitas penelitian dan penerapan green sukuk di indonesia di masa yang akan datang.
Evaluating the Effectiveness of 5c-Based Risk Mitigation and Sharia-Compliant Restructuring in Reducing NPF in Sharia Mortgage Financing: A Case Study of Bank BTN Syariah Diponegoro Surabaya Adinda Rifantini; Farid Ardyansyah
JURNAL AT-TURAS Vol 12, No 4 (2025)
Publisher : Universitas Nurul Jadid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/at-turas.v12i4.13299

Abstract

This study analyzes the implementation and effectiveness of risk mitigation strategies in Sharia Home Ownership Loan (KPR) financing using the 5C principles (Character, Capacity, Capital, Collateral, Condition) and sharia-compliant restructuring mechanisms to reduce Non-Performing Financing (NPF) at Bank BTN Syariah Diponegoro Surabaya. The issue is critical because the national NPF ratio for sharia mortgages has shown fluctuations in recent years, posing threats to portfolio quality and institutional stability. Using a descriptive qualitative approach, data were collected through semi-structured interviews with three key informants directly involved in consumer financing analysis, collection, and documentation, complemented by secondary data from internal bank reports and regulatory sources. Data validity was ensured through source triangulation, technical triangulation, and member checking. The findings show that the rigorous application of the 5C principles helped prevent high-risk applicants from entering the financing portfolio, with 23% of applications rejected during 2024–2025 due to 5C deficiencies. Meanwhile, restructuring measures—through rescheduling, reconditioning, and contract adjustments—helped stabilize debtor repayment abilities and contributed to a decline in potential NPF escalation. Internal branch records indicate that these combined mitigation strategies helped maintain NPF at a controlled level despite wider national fluctuations. This study contributes to the literature by integrating pre-disbursement (5C) and post-disbursement (restructuring) mitigation frameworks within sharia mortgage financing, addressing a gap in existing studies that often examine these mechanisms separately. Practically, the results provide guidance for Islamic banks in strengthening responsive and sharia-compliant risk management systems.
Co-Authors Farid Ardyansyah jannatul Rohaini jannatul Rohaini Mashudi