UPAYA PENANGANAN PEMBIAYAAN BERMASALAH PADA KSPPS BMT AN-NUUR PURWOREJO PERIODE 2011-2015
Abstract
Financing is the primary income for a financial institution including in Baitul Maal Wat Tamwil (BMT). However, the financing performance also has a risk that is the problematic financing. The objective of this research is to find out the financing provision, the factors causing the problematic financing, and the responses performed by BMT AN-NUUR to handle these problems. This research is a qualitative research in which the data collection was done by conducting observation, interview, and documentation. The research analysis uses qualitative analysis that is by conducting data reduction, data display, and formulating conclusion.
From the research finding, it is known that the responses to problematic financing done by BMT AN-NUUR are including direct visit (silaturahim), rescheduling, restructuring, reconditioning, sequestration, and financing decline. However, in performing these all treatments, BMT AN-NUUR still prioritizes the kindship principles to maintain good relationship between the BMT party and the customers.