Analisis Strategi Pengelolaan Risiko Pembiayaan di masa Pandemi Covid-19 dalam Perspektif Ekonomi Islam ( Studi pada Produk BSI Griya di Bank Syariah Indonesia Kc Tanjung Karang Bandar Lampung )

Nabilla, Lestari (2024) Analisis Strategi Pengelolaan Risiko Pembiayaan di masa Pandemi Covid-19 dalam Perspektif Ekonomi Islam ( Studi pada Produk BSI Griya di Bank Syariah Indonesia Kc Tanjung Karang Bandar Lampung ). Diploma thesis, UIN Raden Intan Lampung.

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Abstract

ABSTRAK Dalam Pembiayaan Perbankan, covid-19 memberikan dampak yang signifikan bagi masyarakat sehingga mengalami penurunan pendapatan akibat banyak yang kehilangan pekerjaan serta usahanya tidak berjalan lancar, dampak tersebut menyebabkan keterlambatan pembayaran pembiayaan Akan tetapi bank dapat meminimalisir apabila terjadi pembiayaan bermasalah atau macet dengan melakukan kebijkan restrukturisasi. Rumusan masalah: 1) Bagaimana pengelolaan risiko pembiayaan produk BSI Griya dimasa pandemi covid-19 dalam perspektif ekonomi Islam di Bsi Kc Tanjung Karang. 2) Bagaimana strategi Bsi Kc Tanjung Karang dalam meminimalisir kerugian pada produk BSI Griya dimasa pandemi covid-19. 3) Apa sajakah tantangan yang dihadapi Bsi Kc Tanjung Karang selama pandemi covid-19. Tujuan penelitian: 1) Untuk mengetahui bagaimana pengelolaan resiko pembiayaan produk BSI Griya dimasa pandemi covid-19 di Bsi Kc Tanjung Karang. 2) Untuk mengetahui strategi apa saja yang dilakukan Bsi Kc Tanjung Karang dalam meminimalisir kerugian produk BSI Griya dimasa pandemi covid-19. 3) Untuk mengetahui hambatan yang dihadapi Bsi Kc Tanjung Karang. Penelitian ini menggunakan metode kualitatif, jenis penelitian ini memnfaatkan data lapangan seperti observasi, wawancara dan dokumentasi. Sampel yang digunakan adalah purposive sampling teknik pengambilan sampel sumber data dengan pertimbangan tertentu dan berdasarkan narasumber. Hasil penelitian yang didapat, Bsi Kc Tanjung Karang melakukan pengelolaan risiko pembiayaan BSI Griya dengan mengidentifikasi, mengukur, mentau, dan mengendalikan risiko serta menerapkan prinsip 5C+1S. Untuk meminimalisir kerugian dimasa pandemi covid-19, Bsi Kc Tanjung Karang melakukan strategi dengan cara monitoring, penagihan sistem kekeluargaan, pembinaan nasabah, dan melakukan restrukturisasi. Kata kunci: Pengelolaan risiko pembiayaan, pandemi covid-19. ABSTRACT In Banking Financing, Covid-19 has had a significant impact on the community, resulting in a decrease in income due to many job losses and businesses not running smoothly, this impact causes delays in financing payments. However, banks can minimize if financing problems or delays occur by implementing renovation policies. Problem formulation: 1) How to manage the risk of financing BSI Griya products during the Covid-19 pandemic from an Islamic economic perspective at BSI Kc Tanjung Karang. 2) What is BSI Kc Tanjung Karang's strategy for minimizing losses on BSI Griya products during the Covid-19 pandemic. 3) What are the challenges faced by Bsi Kc Tanjung Karang during the Covid-19 pandemic. Research objectives: 1) To find out how to manage the risk of financing BSI Griya products during the Covid-19 pandemic at Bsi Kc Tanjung Karang. 2) To find out what strategies BSI Kc Tanjung Karang implemented to minimize losses on BSI Griya products during the Covid-19 pandemic. 3) To find out the challenges faced by Bsi Kc Tanjung Karang. This research uses qualitative methods, this type of research utilizes field data such as observation, interviews and documentation. The sample used was purposive sampling, a data source sampling technique with certain considerations and based on the sources. The research results obtained showed that Bsi Kc Tanjung Karang managed BSI Griya financing risks by identifying, measuring, monitoring and controlling risks and applying the 5C+1S principles. To minimize losses during the Covid-19 pandemic, Bsi Kc Tanjung Karang carried out strategies by monitoring, gathering family systems, customer training and carrying out reconstruction. Keywords: Financing risk management, Covid-19 pandemic.

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