Analisis Penanganan Pembiayaan Murabahah Non Performing Financing (Npf) Dengan Mitigation of Risk in Islamic Financial Institutions Di KJKS BMT Al-Makmur Cubadak Lima Kaum Kab. Tanah Datar

Wahyuni, Elmiliyani; Maulidia, Sri

doi:10.51311/istikhlaf.v2i1.219

Cited by 2 publications

(17 citation statements)

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“…The tenors are the loan repayment period agreed upon by the customer with the lender whose indicator is the number of months (period) of credit (Nurhapsari & Apriani, 2021;Sarimuddin et al, 2020;Utami & Dewi, 2021;Wahyuni & Maulidia, 2020).…”

Section: Tenorsmentioning

confidence: 99%

“…The loan is the number of loans received by customers, of which payments will be made in stages in the following months, the indicator of which is the rupiah value of the principal loan/mortgage value (Nurhapsari & Apriani, 2021;Sarimuddin et al, 2020;Utami & Dewi, 2021;Wahyuni & Maulidia, 2020).…”

Section: Loanmentioning

confidence: 99%

“…The installment is the amount of installments or installments or credit repayments paid by the customer every month until it is paid off, the indicator of which is the rupiah value paid by the customer every month (Nurhapsari & Apriani, 2021;Prasetya et al, 2020;Sarimuddin et al, 2020;Utami & Dewi, 2021;Wahyuni & Maulidia, 2020).…”

Section: Installmentmentioning

confidence: 99%

“…Arrears are the number of days that have passed from what should be based on what is written in the loan agreement, the indicator of which is the number of days in arrears by the customer (Nurhapsari & Apriani, 2021;Sarimuddin et al, 2020;Utami & Dewi, 2021;Wahyuni & Maulidia, 2020;Yasa, 2022).…”

Section: Arrearsmentioning

confidence: 99%

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The Effect of Tenors, Installments, Loans on Arrears, and Moderating Variables

Ardiansyah

2023

j.ofaccount.var.scopes

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The research objective is to determine the effect of tenors, installments, and loans on arrears and moderating variables. This type of quantitative research. Secondary data type. The research population for customer loan data for 2017-2022 and customer loans maturing in 2022-2027 are 527 customers as a sample. The analytical method uses path analysis with the help of SmartPLS 3. The results of the study: (1) Tenors have a negative and significant effect on Arrears; (2) Tenors have a negative and significant effect on Installment; (3) Loans have a positive and significant effect on Tenors; (4) Loans have a positive and significant effect on Arrears; (5) Loan has a positive and significant effect on Installment; (6) Installment has a negative and significant effect on Arrears; (7) Loans are not significant to Arrears moderated by Installment; and (8) Tenors have a negative and significant effect on Arrears moderated by Installment. The research findings provide empirical evidence that the determinants of customer arrears that can have an impact on arrears are tenors, loans, and installments. The implication of the research results is the discovery of factors that need to be considered by the company in providing loans to customers by carefully considering the alignment between loans to tenors, then tenors to installments so that the determination is not burdensome to customers so that arrears are smaller and can increase company profitability. Recommendations for further research: (1) Conduct data analysis on consumptive and productive loans; (2) Develop variables: Remaining loan principal, Arrears of fines, and Interest arrears.

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Section: Tenorsmentioning

confidence: 99%

Section: Loanmentioning

confidence: 99%

Section: Installmentmentioning

confidence: 99%

Section: Arrearsmentioning

confidence: 99%

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The Effect of Tenors, Installments, Loans on Arrears, and Moderating Variables

Ardiansyah

2023

j.ofaccount.var.scopes

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“…There are two strategies in handling non-performing financing namely before and after financing problems (Sudrajat and Rachmawati, 2019;Wahyuni and Maulidia, 2020). The before financing strategy is used by analyzing prospective customers according to the interview guidelines owned by IMFI.…”

Section: Literature Reviewmentioning

confidence: 99%

The Problem of Murabaha Financing of Islamic Microfinance Institution and The Handling Strategies in Indonesia: A Literature Review

Alam,

Ratnasari,

Makkawi

et al. 2023

JAM

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Indonesia is a country with the largest Muslim population in the world and has extraordinary potential in the amount and assets of Islamic microfinance and can be a reference for the application of Islamic Microfinance in other countries. The purpose of this study was to review the problems in murabaha financing at Islamic Microfinance Institution (IMFI) and the treatments. The approach used was a qualitative analysis of Indonesian literature studies about the specific type of murabaha financing with content analysis and thematic analysis techniques. This study found that internal and external factors caused problematic murabaha financing in BMT. Internal factors include the inaccuracy of BMT in 5C (Character, Capacity, Capital, Collateral, and Condition), lack of supervision, procedures violations, facilities and infrastructure, and lack of human resources (HR). Meanwhile, external factors include bad customers, unexpected circumstances of customers, lack of customer income, inflation, and government policies. The actions done by the BMTs to overcome problematic murabaha financing were by implementing BMT guidelines for prospective customers, preventing and repressive supervising, applying a democratic leadership style, applying fines, rescheduling, restructuring and reconditioning write off, auction of collateral, and legal actions. This study recommends strengthening financing selection by improving human resource skills and also variations in handling murabaha financing with a humanist approach.

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Analisis Penanganan Pembiayaan Murabahah Non Performing Financing (Npf) Dengan Mitigation of Risk in Islamic Financial Institutions Di KJKS BMT Al-Makmur Cubadak Lima Kaum Kab. Tanah Datar

Cited by 2 publications

References 0 publications

The Effect of Tenors, Installments, Loans on Arrears, and Moderating Variables

The Effect of Tenors, Installments, Loans on Arrears, and Moderating Variables

The Problem of Murabaha Financing of Islamic Microfinance Institution and The Handling Strategies in Indonesia: A Literature Review

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