Model Strategi Pencegahan dan Penyelesaian Pembiayaan Bermasalah Pada Bank Syariah
DOI:
https://doi.org/10.31004/jptam.v6i1.3635Keywords:
Model Strategi, Pencegahan dan Penyelesaian, Pembiayaan Bermasalah.Abstract
Tidak bisa dipungkiri bahwa usaha dalam industri perbankan syariah tetap saja terjadi kredit bermasalah. Kajian ini menganalisis penyebab terjadi pembiayaan bermasalah, serta efektifitas strategi pencegahan dan penyelesaian pembiayaan bermasalah pada Bank Syariah. Penelitian ini menggunakan data primer yang diperoleh melalui analisis ketentuan perundangan dan peraturan yang berlaku, serta studi litertur dari berbagai buku dan jurnal ilmiah. Hasil penelitian ini menunjukkan model yang efektivitas dalam pencegahan yang harus dilakukan bank syariah terdiri dari peningkatan aspek hukum, pembentukan SDM berkualitas, pencegahan aspek nasabah dari sisi penilaian kritera saat mengajukan pembiayaan, dan pencegahan aspek menajemen yang peru dilakukan peningkatan manejemen dari sisi risiko pembiayaan. Analisis juga menunjukkan bahwa yang mengakibatkan munculnya pembiayaan bermasalah dari faktor internal bersumber dari wanprestasi, asimetri informasi dan, tekanan keuangan. Sedangkan pada faktor ektrenal disebabkan oleh kondisi inflasi, penurunan PDB, bencana alam, peningktan suku bunga, politik kriminalitas.
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