MANAJEMEN PENYELESAIAN PEMBIAYAAN BERMASALAH PADA LEMBAGA PERBANKAN SYARIAH

Abstract

Abstract
Islamic financing products divided into three categories; (1) financing using the principle
of trading is distinguished by a form of payment and delivery time of goods. Products
related to the sale and purchase agreement is financing murabaha, salam and istishna
(2) financing lease using the principle is implemented in form ijaroh and ijaroh
muntahiya bittamlik (3)financing using profit sharing principle is implemented in form
of financing and Musharaka. Bank Indonesia Regulation No.7/2/PBI/2005 classify the
credit quality assessment become current, special mention, substandard, doubtful and
jammed. Financing is a product that has a high risk level, as to prevent any risk of
financing can apply the standards of risk control and analyze carakter, capacity, capital,
collateral, condition, sharia or analysts personalty, party, perpose, prosfect , payment,
profitability, protection before realizing financing. In the event of any financing
problems, the remedies can be done in the form of restructuring, settlement through a
guarantee or write off.
Keywords: Islamic finance, control and prevention of financial risks, efforts to resolve
the financing problems.