IJHABS
Vol 2 No 4 (2025): April

Analysis of Collateral Use Policy as a Credit Risk Mitigation Instrument at PT Bank Aceh Syariah Kutacane Branch

Aulia, Riska Febrianti (Unknown)
Nasution, Annio indah lestari (Unknown)

Article Info

Publish Date
27 Feb 2025

Abstract

This study examines the policy of using collateral as a credit risk mitigation instrument at PT Bank Aceh Syariah, Kutacane Branch. Aligned with Sharia principles such as fairness and transparency, this policy aims to protect the bank from losses due to customer defaults. The qualitative research findings reveal that collateral use is effective in mitigating credit risk through proportional value evaluations. However, challenges remain in administration and communication with customers. To enhance effectiveness, the adoption of Sharia insurance and assessment of customers repayment capacity is recommended. More adaptive policies are expected to support the bank’s sustainability and financial inclusion.

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Journal Info
IJHABS
Website

Abbrev

IJHABS

Publisher

Malaqbi Publisher

Subject

Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Library & Information Science

Description

International Journal of Humanity Advance, Business & Sciences (IJHABS) is published fourth a year in July, Oktober, january, and April. International Journal of Humanity Advance, Business & Sciences publish papers in the field of management science that give a contribution to the development of ...