IMPLEMENTASI PELAKSANAAN RESTRUKTURISASI PEMBIAYAAN BERMASALAH DALAM UPAYA SUSTAINABLE BANKING DI BANK SYARIAH INDONESIA

Abstrak / Ringkasan

This research aims to determine the implementation of problematic financing restructuring and whether the implementation of reconstruction is able to realize sustainable banking. Economies throughout the world, including Indonesia, have recently experienced the impact of the Covid-19 outbreak which could result in worsening economic conditions. Banking is one of the sectors affected, many customers are experiencing financing problems. OJK issued a restructuring policy and OJK, one of the authorities in Indonesia, has a large share and responsibility in making the sustainable finance or sustainable banking commitment program a success.
This research uses a descriptive method with a qualitative approach. Where the author collected data using observation, interviews and documentation methods through three informants in the Marketing Division, with the research location at Bank Syariah Indonesia KCP Bekasi Square.
The results of this research show that: 1. The implementation of problem financing reconstruction carried out by Bank Syariah Indonesia KCP Bekasi Square can be said to be effective as a form of intervention for problem financing customers. The OJK reconstruction policy is the best step in dealing with problematic financing. 2. Implementation of reconstruction in sustainable banking efforts has had a very positive impact, such as bank performance becoming healthy, portfolio and customer collectability returning to normal. By integrating environmental, social and governance criteria. This reconstruction implementation can support sustainable banking at Bank Syariah Indonesia KCP Bekasi Square.
Keywords: Implementation of Restructuring, Problem Financing, Sustainable Banking, Bank Syariah Indonesia.

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