The Implementation Of Hybrid Contracts For Restructuring Non-Performing Financing In Sharia Banks

Abstract

Restructuring non-performing financing is one of the solutions to save financing performance as one of the largest contributors to Islamic banking revenue. However, in practice it is not easy for Islamic banks to do so, because Islamic banks must consider the precautionary principle which has implications for risks that will occur in the future. In addition, the use of hybrid contracts in the restructuring mechanism for non-performing financing is an integral part in minimizing these risks. This study tries to reveal the application of hybrid contracts in the restructuring of non-performing financing in Islamic banking.This article uses a descriptive literature research method obtained from the results of the analysis of the primary data source, namely the substance of the legislation and the DSN-MUI fatwa. So this research uses a normative juridical approach. This type of research includes qualitative research with data analysis techniques that provide a conclusion in the form of accountable information.The results of this study reveal the fact that the application of hybrid contract contracts in the restructuring of non-performing financing in Islamic banking uses a lot of hybrid types of assembled contracts (al-'uqud al-Mujtami'ah), namely the existence of an association of contracts between tabarru' (qordh) and contracts mu'awadhat (sale and purchase, ijarah, IMBT, mudharabah and musharaka).

INTRODUCTION OF SHARIA FINANCING CONTRACTS FOR THE INDONESIAN MSMEs

“…Sharia banks must consider the precautionary principle, which has implications for future risks. The use of hybrid contracts INTRODUCTION OF SHARIA FINANCING CONTRACTS FOR THE INDONESIAN MSMEs in the restructuring mechanism for non-performing financing is critical to mitigating these risks (Setiawan et. al, 2022).…”

Analisis Kinerja Pendapatan Industri Perbankan Syariah di Indonesia

“…Tidak berhenti sampai disitu saja faktor-faktor yang mempengaruhi investasi saham, karena masih ada faktor-faktor yang tidak dapat diprediksi. Seperti yang terjadi saat ini dimana hampir terjadi bencana di seluruh dunia termasuk Indonesia yaitu wabah virus Corona (Covid-19) [14].…”

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“…Hal itu disebabkan karena dalam pengembangan produk, perbankan syariah terpacu kepada akad yang akan digunakan. Penggunaan akad akan menjadi penentu perbankan syariah dalam hal mendapatkan keuntungan (Dolgun et al, 2019), baik keuntungan itu berupa margin, ujrah (upah/harga sewa) dari akad pertukaran (jual beli, ijarah, dan ju'alah) (Setiawan et al, 2022), maupun keuntungan berupa bagi hasil dari akad penyertaan (mudharabah, musyarakah, dan sebagainya) . Sehingga kebutuhan manusia dalam menjalani kehidupannya dapat saling terpenuhi dengan saling membantu dan tolong menolong satu sama lain Witro, 2019).…”