Preferensi Implementasi Reschedule, Restructure, Dan Recondition Terhadap Pembiayaan Akad Bai’ Bitsaman Ajil Dalam Upaya Meminimalisir Non Performing Financing (Studi Kasus Di Koperasi Simpan Pinjam Pembiayaan Syariah Baitul Maal Wa Tamwil Artha Sejahtera Bangilan Tuban Jawa Timur)

Khilmina, Lia Indah (2021) Preferensi Implementasi Reschedule, Restructure, Dan Recondition Terhadap Pembiayaan Akad Bai’ Bitsaman Ajil Dalam Upaya Meminimalisir Non Performing Financing (Studi Kasus Di Koperasi Simpan Pinjam Pembiayaan Syariah Baitul Maal Wa Tamwil Artha Sejahtera Bangilan Tuban Jawa Timur). Masters thesis, Universitas Wahid Hasyim.

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Abstract

Fund of bai’ bitsaman ajil is a fund agreement between Baitul Maal wa Tamwil and its members. Baitul Maal wa Tamwil provides investment fund or buying a capital equipment for member’s business. Then, the members will repay it by instalment. Fund distribution to the third parties or called as a macro funding modified to trade agreement (bai’ bitsaman ajil) is frequently inequal or known as credit stuck. Baitul Maal wa Tamwil as a Syariah based finance institution deal with credit stuck case according to Syariah’s principles. As an example, Cooperative Saving, Loan, and Fund Syariah Baitul Maal wa Tamwil Artha Sejahtera deal with credit stuck especially in fund agreement of bai’ bitsaman ajil by focused on implementing reschedule, restructure, and recondition methods which suit to customer’s needs. This research employs qualitative approach and produces descriptive data. The research categorized as a case study research. Then, data was obtained by interview and documentation method. The author analyzes the data by using qualitative data analysist technic. The results show that implementation of reschedule, restructure, and recondition of bai’ bitsaman ajil agreement in Cooperative Saving, Loan, and Fund Syariah Baitul Maal wa Tamwil Artha Sejahtera Bangilan in line to the customer’s needs which stuck in their credit payment. Reschedule, restructure, and recondition is an orientation of profit institution by minimizing non-performing financing.

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