Kebijakan Restrukturisasi Pembiayaan Murabahah Bermasalah pada Nasabah UMKM Akibat Pandemi Coronavirus Disease 2019 (Covid-19)

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Title Kebijakan Restrukturisasi Pembiayaan Murabahah Bermasalah pada Nasabah UMKM Akibat Pandemi Coronavirus Disease 2019 (Covid-19)
 
Creator Setiawati, Nur Utari
 
Subject Restrukturisasi; Pembiayaan Murabahah; Nabasah UMKM.
 
Description The Covid-19 pandemic has a direct or indirect impact on MSME customers which causes them difficulty in fulfilling their obligations to Islamic banks which of course results in problematic financing. The resulting problematic financing has the potential to disrupt banking performance and financial system stability, which can affect economic growth. The formulation of the problem that will be examined in this study is about the policy of Islamic banks on problematic murabahah financing for MSME customers who are affected by Covid-19. The research approach used is a statute approach and a conceptual approach. The results of this study indicate that Islamic banks provide restructuring of murabahah financing to customers who have difficulty fulfilling their obligations to Islamic banks due to their business being affected by Covid-19. Policies are left entirely to Islamic banks and are highly dependent on the results of identification of Islamic banks on customer financial performance or an assessment of business prospects and the capacity to pay for MSME customers affected by COVID-19. Keywords: Restructuring; Murabahah Financing; UMKM Customers.Pandemi Covid-19 berdampak secara langsung atau tidak langsung terhadap nasabah UMKM yang mengakibatkan mereka kesulitan untuk memenuhi kewajibannya pada bank syariah yang tentunya berakibat timbul pembiayaan bermasalah. Pembiayaan bermasalah yang ditimbulkan berpotensi menggangu kinerja perbankan dan stabilitas sistem keuangan yang dapat mempengaruhi pertumbuhan ekonomi. Rumusan masalah yang akan dikaji dalam penelitian ini adalah tentang kebijakan bank Syariah terhadap pembiayaan murabahah bermasalah pada nasabah UMKM yang terdampak Covid-19. Adapun pendekatan penelitian yang digunakan adalah pendekatan perundang-undangan dan pendekatan konseptual. Hasil dari penelitian ini bahwa Bank syariah dalam memberikan restrukturisasi pembiayaan murabahah pada nasabah yang mengalami kesulitan untuk memenuhi kewajibannya terhadap bank Syariah akibat usahanya terdampak Covid-19. Kebijakan diserahkan sepenuhnya kepada bank syariah dan sangat tergantung pada hasil identifikasi bank syariah atas kinerja keuangan nasabah ataupun penilaian atas prospek usaha dan kapasitas membayar nasabah UMKM yang terdampak COVID-19. Kata Kunci: Restrukturisasi; Pembiayaan Murabahah; Nabasah UMKM.
 
Publisher Fakultas Hukum Universitas Airlangga
 
Contributor
 
Date 2021-06-16
 
Type info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
Peer-reviewed Article
 
Format application/pdf
 
Identifier https://e-journal.unair.ac.id/NTR/article/view/26122
10.20473/ntr.v4i2.26122
 
Source Notaire; Vol 4, No 2 (2021): NOTAIRE; 235-260
2655-9404
2721-8376
 
Language eng
 
Relation https://e-journal.unair.ac.id/NTR/article/view/26122/pdf
 
Rights Copyright (c) 2021 Author
http://creativecommons.org/licenses/by-nc-sa/4.0
 

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