Penanganan Pembiayaan Muarabahah

Abstract

Problematic Murabahah Financing at the Islamic Financial Services Cooperative of Raharja, Lamongan, Panceng, Gresik Branch. The research conducted by the author is included in qualitative descriptive research. And in collecting data, the author uses observation, interview and documentation methods. As for the analysis, the author uses the SMART analysis technique. Handling problematic murabahah financing at KJKS-Raharja, Lamongan Branch has used procedures in accordance with existing theories, namely: Given a bill, Rescheduling (rescheduling), Confiscation of Collateral and Collateral Execution. The factors causing problematic murabahah financing at KJKS-Raharja, Lamongan Branch, are: Internal factors caused by officers and systems. While external factors are caused by customers or customer conditions. The results of this study confirm that managers prefer to pray and discuss the matter for the following reasons: According to the manager, praying is the first step so that God opens the door to the customer's heart, discussed which aims to influence trust that can change their behavior and also does not pose a risk of physical or mental clashes.