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Abstract
This research discusses strategies for resolving problematic financing in preventing financial distress at Bank Aceh Syariah, Peureulak sub-branch. The problems presented in this research are, the level of financing problems at Bank Aceh Syariah, Peureulak sub-branch, what are the methods for resolving problematic financing in preventing financial distress at Bank Aceh Sharia Peureulak sub-branch, what decisions are taken in resolving problematic financing, what are the strategies in resolving problematic financing. The aim of this research is to analyze strategies for resolving problematic financing in preventing financial distress at Bank Aceh Syariah Peureulak sub-branch using the process hierarchy analysis method. This research method is the positive qualitative AHP (process hierarchy analysis) method. The results of this research show that the priority of alternative strategies for resolving problematic financing in preventing financial distress at Bank Aceh Syariah Peureulak sub-branch from the results of the assessment of 3 criteria, 5 sub-criteria and 4 alternatives based on the results of AHP analysis using expert choice was obtained, namely that the highest priority strategy was closed. and selling one or more business units (0.293), then the second priority strategy is reducing the amount of financing (0.257), the third strategy is reducing profits (0.231). With an inconsistency value of 0.05 < 0 .1 means consistent. In conclusion, the priority of alternative strategies for resolving problematic financing in preventing financial distress at Bank Aceh Syariah Peureulak sub-branch from the results of the assessment of 3 criteria, 5 sub-criteria, and 4 alternatives based on the results of AHP analysis using expert choice was obtained, namely the highest priority strategy for dependence on third party funds with an inconsistency value of 0.05<0.1 means it is consistent. Advice, it is hoped that customers who experience problematic financing can implement the strategies and policies that Bank Aceh Syariah Peureulak sub-branch implements so that the bank can resolve problematic financing and prevent financial distress.
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References
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