Manajemen resiko bank Islam (penanganan pembiayaan bermasalah dalam produk pembiayaan pada PT. Bank Muamalat Indonesia cabang pembantu Panyabungan)

Abstrak / Ringkasan

Risk management is an important effort that must be done by each company, including Islamic banking, as an effort to minimize losses due to the risk. This study aims to identify and analyze how is the handling of financing problems, the application of risk management practices of Islamic bank, and the perception of consumers towards the handling of financing problems of Bank Muamalat Branch Panyabungan.
This study uses descriptive qualitative approach to describe the problems based on the data obtained from interviews, questionnaires, and documentation. Data analysis was conducted using qualitative analysis, comparative analysis, and SWOT analysis.
Based on the results of this research concluded that the handling of troubled financing committed by Bank Muamalat Branch Panyabungan is to conduct an intensive billing, giving warning, the revitalization process (such as rescheduling, reconditioning, restructuring), did completion with the guarantee (rahn), as well as the path of litigation. Application of risk management of Bank Muamalat Branch Panyabungan is done by identifying and measuring the risk (pre-contract) by the financing Risk Assesment (FRA) on several aspects. Monitoring (post-contract) and controlling. The perception of consumers overall about the handling of financing problems showed a very positive perception (very good) because of distribution of total score of all respondents in each of the indicators are between the third quartile score and maximum score. Strategy analysis based on the SWOT that can be taken by Bank Muamalat Branch Panyabungan is to strengthen regulation of internal bank, recruiting competent employees, revitalizing maximumly and rigorously, developing a reliable risk management system, specializing MSME financing, doing emotional service, improving the ability of FRM, implementing office chanelling, and strengthen treaty clause. Fairness and legal certainty principle in the application of risk management of Bank Muamalat Branch Panyabungan has been applied and not against each other.
Key word: Bank Muamalat Panyabungan, Risk Management, Perception.

Topik Terkait

Sitasi