PENYELESAIAN KREDIT USAHA RAKYAT (KUR) MACET DALAM PERSPEKTIF HUKUM ISLAM (Studi pada BRI Pulau Panggung Kabupaten Tanggamus)

WIHDA, HABIBALLOH (2026) PENYELESAIAN KREDIT USAHA RAKYAT (KUR) MACET DALAM PERSPEKTIF HUKUM ISLAM (Studi pada BRI Pulau Panggung Kabupaten Tanggamus). Diploma thesis, UIN RADEN INTAN LAMPUNG.

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Abstract

ABSTRACT This study examines the resolution of defaulted People's Business Credit (KUR) loans at BRI Pulau Panggung, Tanggamus Regency, and analyzes these mechanisms from an Islamic legal perspective. The main questions in this study focus on how to resolve defaulted People's Business Credit (KUR) loans at BRI Pulau Panggung, Tanggamus Regency, and what is the Islamic legal perspective on the defaulted KUR settlement mechanism applied to the community at BRI Pulau Panggung, Tanggamus Regency? The purpose of this study is to gain an in-depth understanding of the implementation of defaulted KUR settlement at BRI Pulau Panggung, including the restructuring, rescheduling, and debtor assistance procedures, and to assess their compliance with Islamic legal values. This research is descriptive field research. The data sources used are primary and secondary sources. Data collection was conducted through documentation and interviews. After all data was collected, it was processed and analyzed descriptively and qualitatively, followed by deductive conclusions. The results indicate that the resolution of defaulted People's Business Credit (KUR) loans at BRI Pulau Panggung, Tanggamus Regency, emphasizes flexibility and a persuasive approach. Banks not only collect installments but also actively engage in consultations, provide credit restructuring, and assist debtors to maintain business productivity. These mechanisms include installment rescheduling, temporary payment deferrals, and total restructuring based on the debtor's ability. This strategy effectively reduces the risk of default and maintains good relations between the bank and the community. From an Islamic legal perspective, the mechanism for resolving defaulted KUR loans implemented for the community at BRI Pulau Panggung, Tanggamus Regency, aligns with the principle of al-qarḍ, which emphasizes justice, sincerity, and socio-economic well-being. The approach of consultation, restructuring, and business assistance reflects the principles of ta‘āwun (mutual assistance), ihsan (sincerity), as well as certainty and transparency in lending contracts.

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