PENANGANAN KREDIT PEMILIKAN RUMAH SUBSIDI BERMASALAH PADA BANK SYARIAH DALAM PANDANGAN ISLAM (STUDI BANK TABUNGAN NEGARA KANTOR CABANG SYARIAH BOGOR)

Abstract

This research is motivated by the increasing demand for housing, but the effort to get a house at
this time is not an easy thing. The increasingly limited amount of land makes house prices more
expensive, especially for people with an average regional minimum wage income, encouraging
repair parties, especially at the State Savings Bank for the Bogor Sharia Branch Office (BTN KCS
Bogor) to facilitate this need. BTN KCS Bogor hereby distributes its funds through subsidized
mortgage financing. The amount of funds disbursed by the BTN KCS Bogor is classified as high
enough that the bank has a risk of non-performing financing. It is necessary to make efforts to
handle non-performing financing carried out by BTN KCS Bogor which is different from
conventional BTN, namely the handling of non-performing financing in accordance with Islamic
values. This research is qualitative and the data collection method is by conducting interviews at
BTN KCS Bogor. The analysis used in this study is a qualitative descriptive analysis. The results
showed that the handling of non-performing financing at BTN KCS Bogor was in accordance with
the regulations of Bank Indonesia and the Financial Services Authority, and Islamic values