STRATEGI BANK BTN SYARIAH DALAM PENYELESAIAN PEMBIAYAAN KPR BERMASALAH (Studi Kasus Pada Bank BTN Kantor Cabang Syariah Pekanbaru)

Abstract

Abstract

The study aims to find out  steps taken by PT. State Savings Bank (Persero) Tbk. Pekanbaru sharia Branch Office  in the settlement of financing and whether the method used is in accordance with the regulations stipulated in law number 10 0f 1998 concerning banking and DSN MUI fatwa. This research is qualitative descriptive. Data sources used are primary and secondary, data collection techniques used are observation, interviews and in depth dokumentation. Data analysis techniques in this study use qualitative analysis techniques. Based on the results of the study it can be concluded that the factors the cause financing of problematic mortgages at the pekanbaru Sharia Branch Office BTN are internal factors, including the limited number of financing analyst personnel lack of specialized officers to carry out customer development and the axtent of the BTN Sharia Pekanbaru working area. While external factors include congestion caused by intentional and accidental elements. As for the strategies implemented by BTN Sharia pekanbaru including by developing customers, restructuring, and covering certain devices, for example with adequate guarantees as a second way out.