ANALISIS HUKUM EKONOMI SYARIAH TERHADAP EFEKTIVITAS RESTRUKTURISASI PEMBIAYAAN MURABAHAH DI MASA PANDEMI COVID 19 PADA BANK SYARIAH INDONESIA KOTA MANADO

Mohamad Hidayatullah A.K Husein, S.H, NIM.: 21203011030 (2023) ANALISIS HUKUM EKONOMI SYARIAH TERHADAP EFEKTIVITAS RESTRUKTURISASI PEMBIAYAAN MURABAHAH DI MASA PANDEMI COVID 19 PADA BANK SYARIAH INDONESIA KOTA MANADO. Masters thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

This research originates from the author's interest in seeing problems in Islamic banking during the Covid-19 Pandemi, such as the decline in people's ability to pay in murabahah financing at Indonesian Islamic banks as a result of the Covid-19 Pandemi, banking efforts to save problematic financing through several stages so that both banks and customers benefited and not harmed, the financing restructuring policy provides an opportunity for customers to continue financing even during the COVID 19 Pandemi, but this policy must be a tool in efforts to save troubled financing From the above problems the author uses an analysis of sharia economic law and the theory of effectiveness, to measure the level of success of the murabahah financing restructuring policy, as well as the implementation of the DSN MUI law and Fatwa regarding the settlement of murabaha financing which is basically the author's suggestion in analyzing, this study uses research methods descriptive qualitative and empirical normatif approach, by examining laws and regulations on the suitability of policies. This research provides the following results, based on an analysis of sharia economic law, the restructuring of murabaha financing at the Indonesian Sharia Bank, Manado City, the implementation of the law and the MUI Fatwa concerning Settlement of Murabahah Financing has been well adjusted, the effectiveness of murabaha financing restructuring from 2021 data, there are as many as 11 customers and an increase in 2022 to 17 customers in total murabahah financing restructuring 28 financing customers and 2 of them were not successful in restructuring due to the lack of good faith from the customer, from the data above it can be concluded that the restructuring of murabahah financing during the COVID 19 Pandemi can be said to be effective by carrying out a innovative training assistance in managing business and supervising post-restructuring so that the financing restructuring goes well.

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