PENDEKATAN DALAM PENYELESAIAN PEMBIAYAAN BERMASALAH PADA BANK SYARIAH DI INDONESIA

Abstract

Islamic banks face significant challenges in managing problematic financing or Non-Performing Financing (NPF), which can impact the financial stability, profitability, and reputation of the bank. Problematic financing in Islamic banks is an unavoidable risk. The greater the amount of problematic financing faced by the bank, the lower the bank's health level. This study discusses the factors that cause problematic financing, as well as the prevention and resolution strategies for problematic financing in Islamic banks. The findings aim to provide information to all parties, especially Islamic banks in Indonesia, on the methods and strategies for handling and resolving problematic financing. The study demonstrates that resolving problematic financing requires strategies tailored to the conditions of customers while adhering to sharia principles. With a comprehensive approach, Islamic banks can maintain operational stability and contribute positively to economic growth.

Keywords: NPF, Problematic Financing, Islamic Bank