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International Journal of
Law
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VOL. 8, ISSUE 2 (2022)
Legal study non performing financing murabahah financing agreement on BPRS Tgk Chiek Dipante Sigli
Authors
Anggun Mareta, Sanusi, Teuku Muttaqin Mansur
Abstract
Attachment to Financial Services Authority Regulation Number 42/POJK.03/2007 concerning Obligations to Prepare and Implement Bank Credit or Financing Policies for Commercial Banks concerning Financing Agreements, that the banking financing agreement must be stated in the form of a written contract/agreement. This study aims to explain the implementation murabahah financing agreement against Non Performing Financing (NPF) at BPRS Tgk Chiek Dipante and preventive measures and NPF disputes. The method used in this research is empirical juridical, that is by combining legal materials as secondary data with primary data obtained directly from field activities. The results showed that the implementation of murabahah financing agreement on BPRS Tgk Chiek Dipante has been implemented based on sharia principles. That before realizing the financing application, first explained the stages in full and transparent. However, there are still some problems that arise from both internal and external factors of the bank. The prevention and settlement of npf is carried out through the application of preventive efforts consisting of 2 stages of settlement, namely a light approach and a heavy approach (through the court). Therefore, the bank must continue to optimize its performance to produce healthy financing in accordance with non-performing financing standards set by Bank Indonesia.
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Pages:210-214
How to cite this article:
Anggun Mareta, Sanusi, Teuku Muttaqin Mansur "Legal study non performing financing murabahah financing agreement on BPRS Tgk Chiek Dipante Sigli". International Journal of Law, Vol 8, Issue 2, 2022, Pages 210-214
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