Implikasi Filsafat Ilmu dalam Optimalisasi penanganan kredit macet melalui akad murabahah di PT BSI KCP Cemara asri

Anisah Cyntia Dewi Pratama; Budi Harianto

doi:10.55606/jupumi.v4i2.3769

Authors

Anisah Cyntia Dewi Pratama Universitas Islam Negeri Sumatera Utara
Budi Harianto Universitas Islam Negeri Sumatera Utara

DOI:

https://doi.org/10.55606/jupumi.v4i2.3769

Keywords:

Philosophy of Science, Non-Performing Loans, Murabahah Contract, PT BSI KCP Cemara Asri, Islamic Banking.

Abstract

This study examines the implications of the philosophy of science in optimizing the management of non-performing loans through murabahah contracts at PT BSI KCP Cemara Asri. It aims to analyze how the philosophy of science can deepen the understanding of non-performing loan phenomena, identify the causes from the philosophy of science perspective, and formulate effective management strategies. A qualitative method with a case study approach was employed, involving in-depth interviews and participatory observation. Findings suggest that a balanced qualitative and quantitative understanding and the strong application of Sharia principles can reduce the risk of non-performing loans. The practical and theoretical implications of this study are expected to contribute to the improvement of overall Islamic banking practices.

References

ABDULLAH, S. M. (2023). ANALISIS PENERAPAN AKUNTANSI SYARIAH PADA PRODUK CICIL EMAS SESUAI PSAK 102 DI BANK SYARIAH INDONESIA KCP BARRU.

Asmayaturrafaah, S., & Hasan, D. B. N. (2023). Strategi mengatasi pembiayaan bermasalah dengan akad murabahah pada bsi kcp trunojoyo. Jurnal Taharru’, 6(2), 685–697.

MELANI, O. P. (2021). PENYELESAIAN KREDIT MACET DALAM UPAYA MENCIPTAKAN BANK YANG SEHAT PADA PT. BANK PERKREDITAS RAKYAT (BPR) PURI ARTHA PACITAN.

Putu, L., & Trisnawati, P. (2022). ANALISIS PENYEBAB, PENYELESAIAN DAN MITIGASI RISIKO PENCEGAHAN KREDIT MACET PADA KOPERASI SIMPAN PINJAM. 2(2), 30–43.

Reynaldi, P. (2023). IMPLEMENTASI PENYELESAIAN PEMBIAYAAN MACET MELALUI AKAD MURABAHAH DALAM PERSPEKTIF HUKUM EKONOMI SYARI’AH (Studi Kasus PT BSI KCP Kuningan Ahmad Yani) SKRIPSI.

Saputri, L. D. (2023). PROSEDUR PENANGANAN KREDIT BERMASALAH PADA PT BANK RAKYAT INDONESIA (PERSERO) TBK. UNIT BANDAR LAMPUNG.