Veto, Muhammad Rizal (2025) Analisis Yuridis Kedudukan Nasabah Terhadap Pembiayaan Macet Dalam Konsep Bank Konvensional dan Syariah Pada Bank Riau Syari’ah Cabang Pekanbaru Sudirman Tahun 2023. Masters thesis, Universitas Islam Riau.

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Abstract

PT Bank Riau Syariah Indonesia Pekanbaru branch is one example of a bank that has faced bad financing, where debtors who have loans to Bank Riau Syariah Pekanbaru branch have difficulty in terms of payment and returning the loan. The bank in resolving problematic credit will first look at the condition of the problematic financing. The main problem in this research is the position of customers regarding bad financing/credit in conventional and sharia banking, especially in the Pekanbaru Branch of Sharia Bank in 2023 as well as the model and strategy for resolving bad financing. This type of research is sociological juridical legal research, namely research that discusses the effectiveness of law which highlights law at the law in action level. The purpose of this research is to provide a systematic picture of the factual things that occur accurately regarding the position of customers in conventional and sharia banking regarding bad credit/financing situations. Like credit at conventional banks, financing provided by sharia banks also contains risks so that in its implementation banks must apply prudential principles, including banks are not permitted to provide financing without a written agreement, banks are not permitted to provide financing that exceeds maximum financing limit (legal lending limit), and applying the 5 C principles (Character, Capacity, Capital, Condition, Collateral) as one of the factors for assessing the provision of financing. PT Bank Riau Syari'ah Indonesia Pekanbaru branch is an example of a bank that has faced bad financing, where debtors who have loans from Bank Riau Syari'ah Pekanbaru branch experience difficulties in paying and returning loans. In resolving problem loans, banks will first look at the problematic financing conditions. The settlement of bad financing carried out by the bank itself consists of two alternative solutions, namely: Settlement through litigation and settlement through non-litigation. PT Bank Riau Syari'ah Pekanbaru Sudirman Branch in various cases implemented deliberative efforts to resolve problematic financing. Therefore, the author concludes that, First, the position of the customer in a situation of bad financing/credit is one of the parties responsible for the inability to pay or what we call bad financing/credit. In fact, handling problematic financing in Sharia Banking. Sharia Banks can use several strategies, namely by fostering bad financing, rescuing financing and resolving financing. Guiding problematic financing by providing assistance to problematic debtors and carrying out intensive collection activities for problematic debtors, then rescuing financing and resolving financing. This is maximized first so that the problem can be resolved. However, if all these strategies cannot resolve all existing problems, then the ultimum remedy is dispute resolution carried out in accordance with the contents of the contract through deliberation, banking mediation, national Sharia arbitration bodies and judicial bodies. This resolution is a strategy to overcome the problem of bad financing at Bank Syari'ah Pekanbaru Branch.

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