Jurnal Sharia Kompetitif

PENDEKATAN DALAM PENYELESAIAN PEMBIAYAAN BERMASALAH PADA BANK SYARIAH DI INDONESIA

Thu, 19 Dec 2024 00:00:00 +0700

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

PAYLATER IN BUYING AND SELLING: AN ISLAMIC ECONOMIC PERSPECTIVE

Iren Despileny, Nisa Zahratul Jannah, Amrul Muzan — Thu, 19 Dec 2024 00:00:00 +0700

The purpose of this study is to discuss later payment in buying and selling; Islamic economic perspective. This research was conducted to look at various sources of literature that examine payment by paylater in various transactions involving sellers, buyers and online ecommerce media which is currently a profitable and instant option. The method used in the research is literature study research or literatu re review. The results of this study reveal that paylater in buying and selling in Islamic economics is not prohibited or allowed, as long as there are no elements that come out of the values of sharia principles, the application of paylater in buying and selling is acceptable in the Islamic economy as long as it adheres to the principles of fairness, transparency, and sustainability and is supported by appropriate regulations to ensure that paylater provides benefits without violating the ethical values of Islamic economics.

Keywords: Paylater; Purchase; Sales; Islam, Economics