Prevention Strategy in Problematic Musharakah Financing PT Bank Muamalat KC Surabaya
DOI:
https://doi.org/10.21093/at.v10i2.10064Keywords:
Musharakah, Problem Financing, Sharia BankAbstract
Bank Muamalat, as the first sharia bank in Indonesia, has experienced rapid development in offering sharia financial products, one of which is musyarakah financing. Musharakah financing is a cooperative agreement between two or more parties who combine capital to run a joint business. However, this product faces serious challenges related to non-performing financing, which can affect the bank's financial stability if not managed well. This research aims to determine the strategies implemented by Bank Muamalat in preventing problematic musyarakah financing. The research was conducted using a qualitative descriptive approach at Bank Muamalat Indonesia KC Surabaya. The research involved 2 informants who were directly involved in the financing process at Bank Muamalat Indonesia KC Surabaya. Data were collected through interviews, observations. Data analysis was conducted through data reduction, data presentation, and drawing conclusions and verification. The results show that Bank Muamalat KC Surabaya applies the 5C principles as a preventive strategy in assessing prospective customers before financing is granted. The assessment includes character, capacity, capital, collateral, and condition of economy. The findings indicate that these five principles are used to identify potential risks, assess customer eligibility, and minimize the possibility of problematic musharakah financing.
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