Studi Kasus Penanganan Pembiayaan Bermasalah di Baitul Maal wa Tamwil (BMT) Hubbul Wathon pada Masa Pandemi Covid-19

Winda Hidayanti; Hesty Juan Kirana; Anisya May Yustitia; Harnum Widyaningrum; Tulasmi Tulasmi; Titania Mukti

doi:10.29040/jiei.v7i1.1771

Authors

Winda Hidayanti Universitas Islam Indonesia, Indonesia http://orcid.org/0000-0002-9562-3010
Hesty Juan Kirana Universitas Islam Indonesia, Indonesia
Anisya May Yustitia Universitas Islam Indonesia, Indonesia
Harnum Widyaningrum Universitas Islam Indonesia, Indonesia
Tulasmi Tulasmi Universitas Islam Indonesia, Indonesia
Titania Mukti Universitas Islam Indonesia, Indonesia

DOI:

https://doi.org/10.29040/jiei.v7i1.1771

Keywords:

Baitul Maal wa Tamwil, Financial Problems, Dispute Resolution

Abstract

The research is a Case Study of Troubled Financing Handling at BMT Hubbul Wathon in the Covid-19 Pandemic. The research method uses a descriptive qualitative approach. In collecting data, researchers used interview techniques with BMT about policies to deal with the economic crisis during the Covid-19 Pandemic. BMT Hubbul Wathon Sumowono is one of the non-bank syari'ah financial institutions that issues a lot of financing products, such as Mudharabah, Musyarakah, Murabahah, and Ijarah financing. In providing financing to customers, an agreement is made in the BMT institution, in which there are several provisions that must be agreed upon by both parties. During the Covid-19 Pandemic, BMT Hubbul Wathon experienced a decrease in both savings, financing and installments. In the Covid-19 Pandemic as well, problematic financing at BMT Hubbul Wathon Sumowono increased by 5% when compared to the financing provided before the Covid-19 Pandemic. Therefore, this non-bank syari'ah financial institution issued several measures or policies including maintaining liquidity, restrictions in providing financing, and also by adding new customer members.

References

Aan, Z. A., Rudi, J. L., & Darwanto. (2018). Analisa Majamen Pembiayaan Macet. Jurnal Ekonomi Islam, 9 (1), 1-20.

Aldi, Andika, & Yodi. (2020, Maret 25). Ancaman Krisis di Sektor Keuangan Mikro Syariah. Retrieved from KNKS.go.id: https://knks.go.id/berita/235/ancaman-krisis-di-sektor-keuangan-mikro-syariah?category=1

Buchori, N. S. (2012). Koperasi Syari'ah dan Praktek.

Dimas, S. (2017). Respons Masyarakat terhadap Produk Pembiayaan BMT di Kartasura. Journal of Multidisciplinary Studies, 1 (2), 244-256.

Edi, S. (2015). Manajemen Pembiayaan dan Risiko Pembiayaan Bank Syari'ah. 1.

Eko, L. P. (2018). Penerapan Manajemen Risiko Pembiayaan dalam Menjaga LIkuiditas dan Solvabilitas BMT. Skripsi.

Elgit, A. B. (2016). Analisis Produk Simpanan Sukarela Lancar (Si Rela) di BMT Bina Usaha Karang Jati Kecamatan Bergas Kabupaten Semarang. Skripsi.

Ezzah, M. F. (2019). Strategi Pemasaran Produk Si Mapan (Simpanan Masa Depan) di KSPPS BMT Bina Ummat Sejahtera Cabang Salatiga. Skripsi.

KEMENKEU, g. (2020, November 9). Kuartal III, Pembalikan Ekonomi 2020 Terjadi. Retrieved from https://www.kemenkeu.go.id/publikasi/berita/kuartal-iii-2020-pembalikan-ekonomi-terjadi/

KNKS. (2020, April 17). Ancaman Krisis di Sektor Keuangan Mikro Syari'ah. Retrieved from https://knks.go.id/berita/235/ancaman-krisis-di-sektor-keuangan-mikro-syariah?category=1

Masri, S. (1984). Metode Penelitian.

Muh Awal, S. N. (2015). Urgensi Penerapan Islamic Corporate Governance di Baitul Maal Wat Tamwil (BMT). Jurnal Kajian Bisnis, 23 (1), 64-70.

OJK. (2014). Peraturan LKM - OJK. Retrieved from https://www.ojk.go.id/id/kanal/iknb/Pages/Peraturan-LKM.aspx

OJK. (2019). Statistik Perbankan Syari'ah. Retrieved from https://www.ojk.go.id/id/kanal/syariah/data-dan-statistik/statistik-perbankan-syariah/Pages/Statistik-Perbankan-Syariah---Desember-2019.aspx

Putri, C. A. (2020). Buka-bukaan Sri Mulyani: Resesi hingga Kans PDB Minus di Q3. Jakarta: CNBC Indonesia.

Solikhul, H. (2018). Persepsi Masyarakat terhadap Baitul Maal wa Tamwil dalam Pemberdayaan Ekonomi Masyarakat. al-Uqud: Journal of Islamic Economics, 2 (2), 198-212.

Sugiyono. (2008). Metode Penelitian Pendidikan:(Pendekatan Kuantitatif, Kualitatif dan R & D).

Ubaidillah. (2018). Pembiayaan Bermasalah pada Bank Syari'ah: Strategi Penanganan dan Penyelesaianya. el-Jizya: Jurnal Ekonomi Islam, 6 (2), 287-310.

Sumadi, S. (2020). Menakar Dampak Fenomena Pandemi Covid-19 Terhadap Perbankan Syariah. JURNAL HUKUM EKONOMI SYARIAH, 3(2), 145-162.

Ulin, N. (2018). Optimalisasi Peran Dewan Pengawas Syari'ah pada Lembaga Keuangan Mikro Syari'ah. Journal of Islamic Banking and Finance, 2 (2), 211-222.

Wijayanti, M. (2013). Pola Penyelesaian Sengketa Pembiayaan Bermasalah di Kalangan Ekonom Pegiat Ekonomi Syari'ah Kota Metro. Adzkiya: Jurnal Hukum dan Ekonomi Syari'ah, 1 (1), 111-125.

Zulkifli, R., Zulfadli, H., & Hamzah. (2016). Analisa Permasalahan Baitul Maal Wat Tamwil (BMT) melalui Pendekatan Analytical Network Process (ANP). Jurnal Al-Hikmah, 13 (1), 18-29.