Restrukturisasi Pembiayaan Murabahah Bermasalah (Studi Pada Bni Syariah Cabang Kendari)

Abstract

This thesis research analyzes the process of restructuring on financing the problematic murābahah
at PT. BNI Syariah Branch of Kendari. The results prove that the implementation of financing
restructuring murābahah in PT. BNI Syariah Kendari Branch through rescheduling (rescheduling),
reconditioning (Return requirements) and restructuring (reordering). While the
constraints of restructuring implementation on Murabahah financing in PT. BNI Syariah Kendari
Branch is originated from the financing customer itself either from the absence of good customer's
intention to settle the troubled financing due to unwilling restructuring and unclear sources of
payment after the restructuring. The bank overcomes these obstacles by taking precautions in
analyzing the financing customers, and considering third party installments and taking decisive
action with the sale of the customer's collateral assets.