Analisis Strategi Mengatasi Pembiayaan Bermasalah pada Produk UMKM dengan Akad Murabahah pada PT. BPRS Bhakti Sumekar Perseroda

Abstract

This study aims to analyze the factors causing non-performing financing and the strategies used to overcome problematic financing in UMKM products with murabahah contracts at PT. BPRS Bhakti Sumekar Perseroda. This research uses a qualitative method with a descriptive approach. Data were collected through interviews, observations, and documentation involving internal bank parties such as financing staff, account officers, and UMKM customers experiencing financing payment difficulties. The results show that murabahah financing is the dominant financing product for UMKM at PT. BPRS Bhakti Sumekar. However, several financings still fall into the category of non-performing financing. The main factors causing this problem include unstable customer business conditions, weak financial management, misuse of financing funds, and customer character factors related to the lack of commitment in fulfilling payment obligations. The strategies implemented by PT. BPRS Bhakti Sumekar to handle problematic financing include periodic monitoring of customer businesses, persuasive approaches through direct communication with customers, and the implementation of financing restructuring such as rescheduling, reconditioning, and restructuring. If these efforts are unsuccessful, the bank may resolve the issue through collateral as a final step. These strategies are implemented gradually and humanely while maintaining prudential principles and Islamic values in banking.

Keywords: non-performing financing, murabahah, UMKM, handling strategy, BPRS.