PENGELOLAAN KREDIT MACET PADA PRODUK MURABAHAH DI KOPERASI SIMPAN PINJAM DAN PEMBIAYAAN SYARIAH BMT EL-IKHWANUSSHAFA GUNUNG PANGILUN PADANG

Abstract

Non performing loan at BMT El-Ikhwanusshafa has increased every year, especially in 2018, where 17 out of 45 customers experienced Non performing loan (32.39%). The Non performing loan figure at BMT has exceeded the standard set by the Kementerian Koperasi and UMKM as well as the internal standard, which is 5%. The purpose of this research is to know the elements of deliberate and unintentional causes of Non performing loan as well as the efforts of BMT El-Ikhwanusshafa in minimizing Non performing loan. The results of the first research, external factors from the deliberate element, namely customers do not deposit installments regularly, installment funds are used to meet personal and family needs and the BMT does not carry out strict installment collections. Second, external factors from an accidental element that causes non performing loan at BMT El-Ikhwanusshafa, namely customers are unable to overcome problems, lack of business control, lose business competition and experience business failure so that they cannot pay their obligations to BMT El-Ikhwanusshafa. The efforts of BMT El-Ikhwanusshafa in minimizing bad credit have not been maximized because after the disbursement of funds, BMT has not implemented supervision, asked for receipts for purchases of goods needed by members and has not implemented the principle of withdrawing guarantees