Mitigasi Sengketa Ekonomi Syariah (Studi Kasus Pembiayaan Bermasalah di Baitul Maal Wat Tamwil Al-Falah Klaten)
Abstract
This study discusses the factors that affect financing problems at Baitul Maal Wat Tamwil (BMT) Al-Falah Klaten, as well as strategies for handling them. This type of descriptive qualitative research, is field research with a location in BMT Al-Falah Klaten. Primary data from interviews and secondary data from supporting document data.
The results of the study stated that the factors causing problematic financing at BMT Al-Falah Klaten were 2: internal factors: lack of closeness with members, inaccuracy of officers, incomplete data, procedural errors and moral hazard. External Factors: Bad customer character, misused financing funds, changes in government policies. Several strategies for handling problematic financing: Monitoring of members, Relaxation of financing with rescheduling, reconditioning and negotiation and foreclosure of collateral as a last resort.
References
Ahmed, H., (2010). “Risk Management Assesment System: An Application to Islamic Banks”, Proceeding of The Bank of Indonesia, FE UI and IRTI.
Antonio, M.S., 2001. Bank syariah: dari teori ke praktik: Cet. 15. Gema Insani Press, Jakarta.
Arifin, Z., (2002), Dasar-Dasar Manajemen Bank Syariah, Jakarta, Alfabeta.
Djamil, F., 2012. Penyelesaian pembiayaan bermasalah di bank syariah, Cetakan pertama. ed. Sinar Grafika, Jakarta.
Gupta, P.K, (2011), “Risk Management in Indian Companies: EWRM Concern and Issues”, The Journal of Risk Finance, 12(2), 121-139.
Handayani, A., 2015. Skripsi, Program Studi (D3) Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Walisongo Semarang.
Husain, H.A. dan Al Ajmi, J., (2012), “Risk Management Practices of Conventional and Islamic Banks in Bahrain”, Journal of Risk Finance, 13(4), 22-35.
Ilmi, Makhlalul, 2002. teori dan praktik mikro keuangan syariah. UII Press, Yogyakarta.
Kasmir, S., 2002. Dasar-dasar perbankan. PT Raja Grafindo Persada, Jakarta, Indonesia
Karim, A.W., (2000), “Incentive Compatible Constrain for Islamic Banking Some Leassons from Bank Muamalat Indonesia,” Conference Paper, Fourth International Conference on Islamic Economics and Banking, Loughbaorough University, UK, August, pp. 13-15.
Mulyono, T.P., (2001), Manajemen Perkreditan bagi Bank Komersiil, Yogyakarta, BPFE.
Nizar, M., & Syu'aibi, M. M. (2020). Komparasi Kinerja Instrumen Investasi Berbasis Syariah dengan Konvensional pada Pasar Modal di Indonesia. MALIA: Jurnal Ekonomi Islam, 12(1), 1-16.
Nizar, M. (2017). Pengaruh ekuivalen nisbah bagi hasil tabungan, deposito, dan frekuensi pencairan pembiayaan murabahah terhadap jumlah nasabah baru di BMT al-Yasini Wonorejo Pasuruan. MALIA: Jurnal Ekonomi Islam, 9(1), 121-134.
Preda, C. (2015), “Implementating A Risk Management Standard”, Journal of Devense Resourches Management, Belgium, 4(2), 34-56.
Ridwan, M. (2004). Manajemen Baitul Maal Wa Tamwil, Yogyakarta. Yogyakarta: UII Press.
Riduwan, (2019), Sistem Pembiayaan Mudarabah pada Bank Syariah Analisis Terhadap Kepatuhan Syariah dan Risiko, Disertasi pada UII Yogyakarta.
Riduwan dan Pranata, G.D.,(2020), Risk Analisys of Sharia Bank Financing Contract, IHTIFAZ: Journal of Islamic Economic, Finance and Banking, 3(1), 1-14.
Rofiul, 2018. Manajemen Bank Islam Pendekatan Syariah dan Praktek, Pertama. ed. UAD Press, Yogyakarta.
Rustam, B.R., (2013), Manajemen Risiko Perbankan Syariah, Jakarta, Salemba Empat.
Sarwono, jonathan, 2006. Metode penelitian kuantitatif dan kualitatif. graha ilmu, Yogyakarta.
Soemitra, A. (2009). Bank dan Lembaga Keuangan Syariah. Jakarta: Kencana.
Sudarsono, H. (2004). Bank dan Lembaga Keuangan Syari’ah Deskripsi dan Ilustrasi. Yogyakarta: Ekonesia.
Undang-Undang No. 10 Tahun 1998 Tentang Perbankan.
