Penerapan prinsip kehati-hatian dan pengelolaan resiko non performing financing (npf) dalam pembiayaan murabahah di bmt mujahidin tumbang sangai

Hengki, Hengki (2021) Penerapan prinsip kehati-hatian dan pengelolaan resiko non performing financing (npf) dalam pembiayaan murabahah di bmt mujahidin tumbang sangai. Masters thesis, IAIN Palangka Raya.

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Abstract

Abstract

Bank Indonesia melalui PBI Nomor 6/10/PBI/2004 tanggal 12 April 2004 tentang sistem penilaian tingkat kesehatan lembaga keuangan, menetapkan bahwa rasio kredit bermasalah ( Non Performing Loan, NPL maupun Non Performing Finance, NPF ) adalah 5%. dalam prakreknya di BMT Mujahidin nilai NPF dalam 3 Tahun terakhir selalu naik 2018 nilai NPF 4% kemudian Tahun 2019 naik menjadi 9% bahkan Tahun 2020 naik secara siknifikan menjadi 19%. Hal ini menunjukan bahwa tingkat pembiayaan bermasalah pada BMT Mujahidin cukup tinggi karena melebihi ketentuan Bank Indonesia (BI). Prinsip kehati-hatian dalam penyaluran pembiayaan menjadi hal penting sebelum permohonan di kabulkan untuk mengurangi resiko NPF. Hal ini menjadi hal yang menarik untuk diteliti.

Jenis penelitian yang digunakan adalah penelitian lapangan dengan pendekatan Studi Kasus. Lokasi penelitian adalah di BMT Mujahidin Desa Tumbang Sangai Kecamatan Telaga Antang Kab. Kotawaringin Timur. Teknik Pengumpulan data dilakukan dengan wawancara. Sumber data berasal dari pegawai BMT Mujahidin maupun dokumentasi yang kemudian dianalisis secara Kualitatif.

Hasil penelitian menunjukkan: pertama, Penerapan prinsip kehati-hatian dalam pembiayaan yang disalurkan oleh Baitut Tamwil (BT) Mujahidin terwujud dalam bentuk analisis kelayakan nasabah yang berpedoman pada prinsip 6C + 1S (Character, capacity, capital, collateral, condition of economy, constraint dan syariah) dan BMPP (Batas Maksimum Pemberian Pembiayaan). Kedua, Implikasi penerapan prinsip kehati-hatian ini dapat dirumuskan kepada implikasi bisnis dan implikasi reputasi. Penerapan prinsip kehati-hatian di BMT Mujahidin belum memberikan dampak/implikasi positif secara internal yang dibuktikan dengan nilai rata-rata NPF sangat tinggi yaitu 10,6% dalam kurun 3 tahun terakhir. Penerapan prinsip kehati-hatian pula akan berdampak eksternal yang berhubungan dengan stake holder. Penerapan prinsip kehati-hatian yang belum optimal di BMT Mujahidin memiliki pengaruh negatif terhadap citra BMT Mujahidin karena tingginya angka NPF.

ABSTRACT

Bank Indonesia through PBI Number 6/10/PBI/2004 on April 12th, 2004 about the rating system for the soundness of financial institutions, stipulates that the ratio of non-performing loans (Non-Performing Loans, NPLs and Non-Performing Finances, NPFs) was 5%. In practicing them at BMT Mujahidin the NPF value in the last 3 years had always increased in 2018, the NPF value was 4% then in 2019 it rose to 9% even in 2020 it rose significantly to 19%. This indicated that the level of non-performing financing at BMT Mujahidin was quite high because it exceeded the provisions of Bank Indonesia (BI). The prudential principles in distributing the finance had become important roles before the application was granted to reduce NPF risk. It is an interesting thing to research.

The type of research used was field research with a case study approach. The research location was at BMT Mujahidin, Tumbang Sangai Village, Telaga Antang District, Kab. East Kotawaringin. Technique of data collection was done by interview. Sources of data were acquired from BMT Mujahidin employees and documentations. They were analyzed qualitatively

The research results showed: first, the implication of the prudential principles in distributing the finance by Baitut Tamwil (BT) Mujahidin was implemented in the form of a customer feasibility analysis. It was based on the 6C +1S principle (character, capacity, capital, collateral, condition of economy, constraint and sharia) and BMPP (Maximum Limit for Financing). Second, the implications of applying the prudential principles could be formulated into business and reputation. The implication of prudential principles at BMT Mujahidin had not reiqured a positive impact internally. It was proven from the avarage NPF values were very high (10.6%) in the last three years. The implication of prudential principles will also had an external impact to stakeholders. The implication of prudential principles which had not been optimal at BMT Mujahidin had a negative effect on the BMT Mujahidin image because of the high number of NPFs.

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