Faktor Yang Mempengaruhi Peningkatan Pembiayaan Bermasalah Pada Bank Syariah Indonesia Cabang Kudus Masa Pandemi Covid-19

Abstract

Islamic banking in Indonesia was able to survive in the midst of the onslaught of the covid-19 pandemic that damaged the world's economic order, this can be seen from the average NPF value of Islamic banking in Indonesia which shows that it is still in the healthy category.This study aims to analysis the factors that influence the number of non-performing financing in Central Java is relatively high. This study uses a descriptive qualitative research method with a social phenomenology approach.Data collection was obtained from interviews with employee and customer informants of Bank Syariah Indonesia.This study show that the increase in non-performing financing is caused by the effects of social policies issued by the government during a pandemic that makes unemployment in Indonesia increase, business actors (SMEs) experience bankruptcy due to decreased income, which ultimately has an impact on financing defaults.

Financial risk mitigation of collateral-free kredit usaha rakyat mikro at Bank Syariah Indonesia KCP Ujung Berung 1

“…Here, the creditor's confidence in the debtor's ability to repay the debt and the ability to do so on schedule becomes the guarantee. Creditors can use this guarantee as security (Destiana, 2016; C. T. Kurniasari et al, 2020;Viviani et al, 2022). Individual and asset guarantees are the two main categories of credit guarantees.…”