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Abstract
Introduction
Bank Syariah Indonesia participates in disbursing kredit usaha rakyat (KUR) mikro with a maximum financing ceiling of Rp 100 million without requiring collateral. This is worth further investigation, especially from the perspective of financing risk mitigation.
Objectives
This research aims to identify risk mitigation strategies to reduce the impact on non-performing financings from kredit usaha rakyat mikro.
Method
The study is located at Bank Syariah Indonesia KCP Ujung Berung 1 in the city of Bandung, using a qualitative descriptive method. Research data is processed using interview and documentation techniques.
Results
Field findings indicate dynamic disbursement of KUR from January to April, totaling Rp 3.69 million. In April 2023, delinquent credits decreased by 0.5% from 6.6% in March 2023 to 6.1%. This is evidenced by the risk mitigation strategy used to address delinquent credits, which involves identifying customers who meet established criteria and conducting necessary checks, such as BI checking/SLIK, trade checking, and market checking. Additionally, the bank requires customers to obtain life insurance before applying for financing.
Implications
The research motivates Islamic bank management to reduce financial risk in financing to micro, small, and medium enterprises by improving their financial risk mitigation.
Originality/Novelty
This study can serve as a reference for banks to reduce the risk of non-performing financing by implementing credit risk mitigation strategies.
Keywords
Article Details
Copyright (c) 2023 Yasni Gustini, Ima Amaliah, Budi Hartono
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References
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References
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Hidayat, S., & Fageh, A. (2022). The merger of state-owned enterprises of Bank Syariah Indonesia in positive legal review and maqashid syariah. IQTISHADIA Jurnal Ekonomi & Perbankan Syariah, 9(2), 180–191. https://doi.org/10.19105/iqtishadia.v9i2.6547
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Islami, A. (2021). Analisis jaminan dalam akad-akad bagi hasil (akad mudharabah dan akad musyarakah) di perbankan syariah [Analysis of collateral in profit sharing contracts (mudharabah contracts and musyarakah contracts) in sharia banking]. Jurnal Hukum Ekonomi Syariah, 4(1), 1. https://doi.org/10.30595/jhes.v4i1.9903
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Kurniasari, C. T., Nasution, K., & Setyadji, S. (2020). Dasar hukum pelaksanaan mitigasi resiko kredit pada sektor perbankan di Indonesia [Legal basis for implementing credit risk mitigation in the banking sector in Indonesia]. Akrab Juara : Jurnal Ilmu-Ilmu Sosial, 5(1), 107–119. https://akrabjuara.com/index.php/akrabjuara/article/view/924
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Mulyati, E., & Dwiputri, F. A. (2018). Prinsip kehati-hatian dalam menganalisis jaminan kebendaan sebagai pengaman perjanjian kredit perbankan [The principle of prudence in analyzing material collateral as a safeguard for banking credit agreements]. ACTA DIURNAL Jurnal Ilmu Hukum Kenotariatan, 1(2), 134–148. https://jurnal.fh.unpad.ac.id/index.php/acta/article/view/164
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