Main Article Content
Abstract
This study discusses the strategy of resolving problematic financing in preventing financial distress at Bank Aceh Syariah sub-branch peureulak, the problems presented in this study are, the level of financing problems in Bank Aceh Syariah sub-branch of peureulak how to solve problematic financing in preventing financial distress at Bank Aceh Syariah Peureulak auxiliary branch, what decisions are taken in the settlement of problematic financing, what are the strategies in the settlement of problematic financing. The purpose of this study is to analyze the strategy for resolving problematic financing in preventing financial distress at Bank Aceh Syariah sub-branch peureulak with a process hierarchy analysis method. This research method is the positive qualitative Analytic Hierarchy Process (AHP) method. The results of this study show that the alternative priority of problematic financing settlement strategies in preventing financial distress at Bank Aceh Syariah sub-branch peureulak from the results of the assessment of 3 criteria, 5 sub-criteria, and 4 alternatives based on the results of the analysis of AHP using expert choice The highest priority strategy is to close and sell one or more business units (0.293), then the second strategy priority is the extension of the credit schedule (0.280), and the third strategy is to reduce profits (0.231). In conclusion, the priority of alternative strategies for resolving problematic financing in preventing financial distress at Bank Aceh Syariah sub-branch of peureulak from the results of the assessment of 3 criteria, 5 sub-criteria, and 4 alternatives based on the results of the analysis using expert choice obtained is the highest priority of the third-party fund dependency strategy with an inconsistency value of 0.05< 0.1 interpreted as consistent. The recommendation for banks is to strengthen risk analysis and financing restructuring policies, while for customers, it is recommended to be cooperative in following financing rescue policies so that business sustainability is maintained and the risk of financial distress can be minimized.
Keywords
Article Details
References
- Ati, A., Shabri, M., Azis, N., & Hamid, A. (2020). Mediating the effects of customer satisfaction and bank reputation on the relationship between services quality and loyalty of islamic banking customers. Malaysian Journal of Consumer and Family Economics, 25, 28–61.
- Musdalifah Dan & Rahim, Abdul. 2020. Strategi Penyelesaian Pembiayaan Bermasalah Untuk Mencegah Financial Distress Pada Bank Syariah Cabang Bone. Jurnal Al-Tsarwah Program Studi Ekonomi Syariah Pascasarjana Iain Bone. Vol. 3 No. 1. Https://Doi.Org/10.30863/Al-Tsarwah.V3i1.8600
- Afif, Mufti., & Samsuri, Andriyani. 2022. Integration Of Fintech And Islamic Banking In Indonesia: Opportunities And Challenges. Cakrawala: Jurnal Studi Islam,. Vol. 17. No.1. Https://Doi.Org/10.31603/Cakrawala.7051
- Mujib, Abdul. 2024. Lembaga Keuangan Syari’ah Di Indonesia. Urnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah. Vol. 9. No. 1. Https://Doi.Org/10.30651/Jms.V7i2.22806
- Abror, A.B.A.P dan Iswandi, I. 2022. Strategi Penyelesaian Pembiayaan Bermasalah Pada PT Bank Syariah Indonesia. Mizan: Journal Of Islamic Law. Vol. 6. No.1. Hal. 33-42. https://doi.org/10.32507/mizan.v6i1.12500
- Undang –Undang (UU) RI Nomor 21 Tahun 2008 tentang Perbankan Syariah Bab I Pasal 1 Poin 7. https://www.ojk.go.id/id/kanal/perbankan/regulasi/undang-undang/Documents/504.pdf
- Zahratunnisa., indar. K.M.S,. Fahira, Jeby. 2023. Strategi Penanganan Pembiayaan Bermasalah di Bank Syariah. JIOSE: Journal of Indonesian Sharia Economics. Vol. 2. No. 1. https://doi.org/10.35878/jiose.v2i1.552
- Hendrayanti, Silvia., Budiono, Rokhmad dan Natoil. 2023. Penerapan Penilaian Prinsip 5C Sebagai Upaya Pencegahan Pembiayaan Bermasalah di Bank Jateng Capem Juwana. Jurnal Stie Semarang. Vol.15. No. 2. https://doi.org/10.33747/stiesmg.v15i2.632
- Wijaya, Errick., Dan Sandra, Poppy.M. 2024. Financial Distress: Analisis Rasio Keuangan Perusahaan Sub Sektor Transportasi Periode 2020q1-2022q4. Jimfe:Jurnal Ilmiah Manajemen Fakultas Ekonomi. Vol. 10. No. 1. https://doi.org/10.34203/jimfe.v10i1.9857
- Heri, Sudarsono. 2018. Bank dan Lembaga Keuangan Sariah Deskripsi Dan Ilustrasi. Yogykarta: Ekonosia
- Antonio, S. 2021. Bank Syariah dari Teori Kepraktek. Jakarta: Gema Insani Press.
- Atdmaja, Dani. 2024. Penanganan Pembiayaan Bermasalah Pada Bank Syariah. Kafalah: Jurnal Ekonomi, Manajemen dan Keuangan Syariah Vol. 1. No. 2. https://doi.org/10.1234/kafalah.v1i2
- Andrianto dan M. Anang Firmansyah. 2019. Manajemen Bank Syariah, Surabaya: Qiara Media. hal. 313. https://repository.um-surabaya.ac.id/3453/
- Bariroh, R., Mukhlisuddin, Ahmad., Azizah, Nurul. R.K. 2022. Mplementasi Rescheduling, Reconditioning Dan Restructuring Sebagai Upaya Penyelesaian Pembiayaan Bermasalah Pada Masa Pandemi Covid-19 Di Bri Syariah Kcp Mojosari. Jurnal Ekonomi Syariah. Vol. 7. No.1. Https://Doi.Org/10.37058/Jes.V7i1.3543
- Sugiyono. 2019. Metode Penelitian Kuantitatif, Kualitatif dan R&D. Bandung: Alphabet
- Hamid, Fauziah. W., Pertiwi, Anna., dan Imbang, Mara. S.H. 2024. Buku Ajar Metodologi Penelitian. Publisher: Pt. Sonpedia Publishing Indonesia.
- Sukwika, Tatan. 2023. Menentukan Populasi dan Sampling. in book: Metode Penelitian (Dasar Praktik dan Penerapan Berbasis ICT) (Chapter: XIV). Publisher: Mifandi Mandiri Digital)
- Baihaqi, Ahmad., R Romano, AH Hamid, I Indra, S Kasimin, Z Ulya, BA Bakar, A Aziz, I Idawanni, I Wahyuni. 2023. Coconut farming development strategy in Bireuen Regency using hierarchy process analysis. Journal IOP Conference Series: Earth and Environmental Science. Vol. 1183. No. 1. Https://Doi.Org/10.1088/1755-1315/1183/1/012026