Tinjauan Penyelesaian Pembiayaan Bermasalah Dalam Pengadaan Barang Berdasarkan Prinsip Murabahah Pada PT Bank Syariah Mandiri Area Pekanbaru

Rizki, Ahmad (2019) Tinjauan Penyelesaian Pembiayaan Bermasalah Dalam Pengadaan Barang Berdasarkan Prinsip Murabahah Pada PT Bank Syariah Mandiri Area Pekanbaru. Other thesis, Universitas Islam Riau.

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Abstract

The practice of solving the problem of financing begins with efforts from banks as creditors in various ways, among others with do direct billing by the bank to the debtor concerned or strive for debtors to sell their own credit collateral for repayment credit at the bank. If the settlement as mentioned above is not successfully implemented, in general the efforts made by banks were made through a legal procedure that is an auction. But it shouldn't the auction was carried out because based on Article 55 of Law Number 21 of 2008 concerning Sharia Banking in the event of a dispute, then the settlement by the court, the same thing is explained in Article 1266 Civil Code. The main problem of research is How is Financing Settlement Problems In Procurement Of Goods Based On The Principle Of Murabaha At PT Bank Syariah Mandiri Pekanbaru Area and What Are the Inhibiting Factors Problematic Financing in Procurement of Goods Based on Murabahah Principle At PT Bank Syariah Mandiri Pekanbaru Area. The research method is observational research that is with how to survey or review directly to the location of research using tools data collectors namely interviews and questionnaires. while its nature is descriptive, the writer tries to give a detailed description of Problematic Financing in Procurement of Goods Based on Murabahah Principle At PT Bank Syariah Mandiri Pekanbaru Area. The results of research that the Settlement of Problematic Financing in Procurement of Goods Based on Murabahah Principle at PT Bank Syariah Mandiri Area Pekanbaru is not yet giving a sense of justice due still seen the position of the customer is still weak despite being resolved deliberation beforehand because the Bank has the right to demand / collect payment from customers to be paid immediately and all at once without the need for a notice of reprimand or letter other, if the customer does not carry out the payment, the Bank auctioning off customer guarantees, and inhibiting factors In Settlement of Problem Funding in Procurement of Goods Based on Murabahah Principle at PT Bank Syariah Mandiri Pekanbaru Area is a business that the customer has made is bankrupt, financial problems due to misuse of loans so that customers do not have the ability and good faith to settle credit and participation although deliberations and consensus have been carried out to settle it problems and summons, but still not ignored by the customer.

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