RESOLVING FINANCING PROBLEMS WITH RESTRUCTURING OF MURABAHAH FINANCING DURING THE COVID-19 PANDEMIC AT PT. SUMUT BANK (SHARIAH BUSINESS UNIT)

International Journal of Economics, Business and Accounting Research (IJEBAR) Pub Date : 2024-02-12 DOI:10.29040/ijebar.v8i1.12664

Muhammad Aris Fadillah, Tuti Anggraini, Nurul Inayah

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Abstract

This research aims to analyze howresolving problematic financing by restructuring murabahah financing during the Covid-19 pandemic at PT. Bank Sumut (Sharia Business Unit).This research uses a qualitative type of research with a case study approach using data collection techniques through observation and interviews with related parties from Bank Sumut. The results of the research show that the practice of restructuring murabahah financing at Bank Sumut is carried out as an effort to rescue problematic financing. When viewed from POJK, especially POJK 48, the implementation of restructuring shows several important points that banks must pay attention to. Bank Sumut has guidelines for determining debtors affected by COVID-19. Apart from that, the restructuring implementation takes into account the MUI DSN Fatwa No. 47,48,49, regarding the resolution of problematic murabahah financing, the absence of additional costs and contract conversion Keywords: Problematic Financing, Restructuring, Murabahah Financing, Covid 19

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在 PT.SUMUT 银行（伊斯兰教教法业务部）的 "COVID-19 "大流行期间，通过重组穆拉巴哈（Murabahah）融资解决融资问题。苏姆特银行（伊斯兰教法业务部）

本研究旨在分析 PT.本研究采用定性研究和案例研究的方法，通过对苏穆特银行相关人员的观察和访谈收集数据。研究结果表明，苏姆特银行重组穆拉巴哈（murabahah）融资的做法是为了挽救有问题的融资。从 POJK，尤其是 POJK 48 来看，重组的实施显示了银行必须注意的几个要点。苏姆特银行有确定受 COVID-19 影响的债务人的指导方针。除此之外，重组的实施还考虑到了 MUI DSN Fatwa No.47、48、49，涉及有问题的 Murabahah 融资的解决、无额外费用和合同转换：问题融资、重组、穆拉巴哈融资、Covid 19

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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International Journal of Economics, Business and Accounting Research (IJEBAR)

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