Penyelesaian Pembiayaan Bermasalah Dalam Produk Pembiayaan Murabahah  (Studi Pada Pt. BPRS Muamalat Harkat Sukaraja)

Elwardah, Khairiah

doi:10.29300/ba.v4i1.1859

Cited by 3 publications

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“…48/DSN-MUI/II/2005 states that LKS may reschedule murabahah bills for customers who cannot complete or pay off their financing in accordance with the agreed amount and time, provided that: Do not increase the number of remaining bills; Charges in the rescheduling process are real costs; The extension of the payment period must be based on the agreement of both parties. And if one of the parties does not fulfill its obligations or if there is a dispute between the related parties, then the settlement is carried out through the National Shari'ah Arbitration Board after no agreement is reached through deliberation [42].…”

Section: Dsn-mui Fatwa and Ojk Policy In Relieving Financing Issuesmentioning

confidence: 99%

The Consistency of Sharia Principles Application in Murabaha Contracts During the Covid-19 Pandemic

Hamsin¹,

Halim²,

Anggriawan³

2022

Proceedings of the International Conference on Sustainable Innovation on Humanities, Education, and Social Sciences (ICOSI-HESS

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The aim of this article is to investigate and thoroughly assess the consistency of Islamic financial institutions in adopting Sharia principles. It compares the standard operating procedures and company regulation which adopted by the Sharia Rural Bank (BPRS) with the fatwa issued by the National Sharia Council of Indonesian Ulema Council (DSN-MUI). It also explores particularly on the procedure and mechanism of Murabaha financing products application by the customer. The paper used a normative-empirical research method with employing statutory and conceptual approach. The análisis of data is described in qualitative-descriptive approach with comprehensive and systematic manner. The study reveals that the practice of Murabaha contracts at BPRS are carried out in conformity with the DSN-MUI Fatwa on Murabaha. Nevertheless, some aspects are considered to be in contravention of the DSN-MUI fatwa on Murabaha, particularly on the application of the Murabaha contract, which is accompanied by a wakalah contract.

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Section: Dsn-mui Fatwa and Ojk Policy In Relieving Financing Issuesmentioning

confidence: 99%

The Consistency of Sharia Principles Application in Murabaha Contracts During the Covid-19 Pandemic

Hamsin¹,

Halim²,

Anggriawan³

2022

Proceedings of the International Conference on Sustainable Innovation on Humanities, Education, and Social Sciences (ICOSI-HESS

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“…3 (2022) reached through the National Shari'ah Arbitration Board if no agreement can be reached through negotiation. 28 The impact on debtor performance and capacity will increase credit risk, which has the potential to disrupt banking performance and financial system stability and have an impact on economic growth, according to the Financial Services Authority Regulation (POJK) No. 11 /POJK.03/2020 Regarding National Economic Stimulus as a Countercyclical Policy for the Impact of the Spread of Coronavirus Disease 2019.…”

Section: Bad Debt Settlement Measures: Sharia Compliance In the Time ...mentioning

confidence: 99%

Sharia Compliance on Murabaha Financing in Sharia Rural Banks: A Review of Recent Practices

et al. 2022

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One of the most significant concerns in the practice of Sharia Rural Banks is Islamic compliance. This is necessary to guarantee that the policies, provisions, processes, and procedures, as well as the Sharia Rural Bank’s (BPRS) business activities, are in accordance with the provisions and Sharia Principles. The aim in this paper is to extensively evaluate whether Sharia rural banks have completely implemented and conformed with Sharia norms and values, particularly when it comes to Murabaha financing practices. It elaborates on the compliance assessment from the initial application of Murabaha to its complete execution. It also explores the BPRS debt settlement plan, which is in accordance with the DSN-MUI Fatwa, and discusses the OJK Policy on the restructuring process during the Covid-19 crisis. The paper used a normative-empirical research method with employing statutory and conceptual approaches. The análysis of data is described in qualitative-descriptive where the data was obtained from library and empirical research. The findings show that, with a few outliers, the DSN-MUI Fatwa and OJK Policy are implemented in the execution of Murabaha contracts at BPRS. Even during a pandemic crisis, when many customers were unable to settle their debts, the bank was compelled to postpone the debt while still adhering to Sharia principles. However, certain features, particularly the application of the Murabaha contract that is preceded by a wakalah contract, are thought to be in contradiction of the DSN-MUI fatwa on Murabaha.

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“…Jalur litigasi tidak bisa langsung ditempuh oleh BPRS. BPRS perlu melewati beberapa tahap sebelum sampai mengajukan gugatan ke pengadilan yaitu pertama nasabah akan diberikan surat peringatan sebanyak tiga kali, apabila tidak diindahkan oleh nasabah maka bank dapat menjual agunan untuk menutup kekurangan pembiayaan murabahah (Elwardah & Nurhayati, 2019). Apabila nasabah tidak mampu bayar dan tetap mempertahankan asetnya, nasabah bisa dianggap terindikasi melakukan wanprestasi karena melalaikan kewajibannya maka BPRS bisa mengajukan penyelesaian sengketa pembiayaan tersebut ke pengadilan.…”

Section: B Penyelesaian Pembiayaan Bermasalah Melalui Jalur Litigasi/...unclassified

STRATEGI PENYELESAIAN PEMBIAYAAN BERMASALAH: TINJAUAN ASPEK HUKUM (Studi Pada BPRS di Provinsi Daerah Istimewa Yogyakarta)

Yasin

Muhammad

2020

Human Falah

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Strategi penyelesaian pembiayaan bermasalah dilakukan melalui dua jalur yaitu jalur non-litigasi maupun litigasi. Jalur non-litigasi (kekeluargaan) bisa dilakukan dengan penagihan, restrukturisasi, hapus buku atau tetap menjaga pertumbuhan pembiayaannya. Jika jalur non-litigasi tidak mencapai kesepakatan dan tidak bisa menyelesaikan pembiayaan bermasalah maka BPRS bisa menempuh jalur litigasi yang lebih mempunyai kekuatan hukum mengikat antar pihak.Penelitian ini merupakan penelitian dekriptif kualitatif dengan menggunakan penelitian lapangan (field research). Subjek penelitian yang digunakan untuk penelitian ini adalah BPRS yang ada di Provinsi Daerah Istimewa Yogyakarta. Data diperoleh dari wawancara kepada pihak terkait, observasi laporan keuangan dan studi dokumentasi berkaitan dengan proses penyelesaian pembiayaan bermasalah beserta jurnal-jurnal ilmiah terkait.Hasil penelitian menunjukkan bahwa ketika jalur non-litigasi atau jalur kekeluargaan tidak mencapai kesepakatan antara BPRS dan nasabah, maka BPRS bisa melanjutkan dengan menempuh jalur hukum yaitu dengan mengajukan gugatan sederhana untuk nilai gugatan kurang dari 200 juta. Adanya aturan Perma baru tentang Gugatan Sederhana menjadi salah satu alternatif yang bisa digunakan BPRS dalam menyelesaikan pembiayaan bermasalah terhadap perkara cidera janji (wanprestasi) dan/atau perbuatan melawan hukum yang dilakukan nasabah. BPRS perlu mempelajari tata cara pengajuan Gugatan Sederhana yang bisa menjadi solusi lain dalam menyelesaikan permasalahan wanprestasi nasabah yang menyebabkan tingginya angka NPF.

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Penyelesaian Pembiayaan Bermasalah Dalam Produk Pembiayaan Murabahah (Studi Pada Pt. BPRS Muamalat Harkat Sukaraja)

Cited by 3 publications

References 0 publications

The Consistency of Sharia Principles Application in Murabaha Contracts During the Covid-19 Pandemic

The Consistency of Sharia Principles Application in Murabaha Contracts During the Covid-19 Pandemic

Sharia Compliance on Murabaha Financing in Sharia Rural Banks: A Review of Recent Practices

STRATEGI PENYELESAIAN PEMBIAYAAN BERMASALAH: TINJAUAN ASPEK HUKUM (Studi Pada BPRS di Provinsi Daerah Istimewa Yogyakarta)

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