Analisis Restrukturisasi Pembiayaan Akad Murabahah Pasca Pandemi terhadap Penanganan Pembiayaan Bermasalah BPRS Madina Mandiri Sejahtera
Abstract
Penelitian ini bertujuan untuk menganalisis implementasi restrukturisasi pembiayaan berdasarkan Fatwa DSN-MUI, mekanisme restrukturisasi pembiayaan pasca pandemi, serta efektivitas pelaksanaannya. Penelitian ini adalah penelitian kualitatif dengan menggunakan pendekatan deskriptif. Hasil dari penelitian ini yaitu BPRS Madina Mandiri Sejahtera menggunakan 4 strategi pada implementasi restrukturisasi pembiayaan murabahah bermasalah yang sesuai denga Fatwa DSN-MUI. Strategi tersebut yaitu perpanjangan jangka waktu, pemberian keringanan, konversi akad, dan penjualan objek transaksi. Mekanisme yang digunakan dalam penanganan pembiayaan murabahah bermasalah pasca pandemi yaitu bagi nasabah yang beritikad baik mereka akan langsung di restrukturisasi sesuai dengan tingkat kebutuhan dan kesulitan. Namun apabila nasabah memiliki itikad yang kurang baik maka akan diberi SP I, II, III, surat panggilan dan pelelangan agunan. Pelaksanaan restrukturisasi dikatakan efektif dengan melihat indikator yaitu tercapainya tujuan bank dalam menurunkan presentase pembiayaan bermasalah.
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