Analisis Penerapan Restrukturisasi Pembiayaan Berdasarkan Fatwa DSN MUI di KSPPS BMT Al Hikmah Semesta Cabang Mayong
DOI:
https://doi.org/10.35870/jemsi.v11i5.4657Keywords:
Restructuring, Financing, DSN MUI FatwaAbstract
Facing the increasingly intense dynamics of financial competition, it is crucial for Islamic financial institutions, especially KSPPS BMT Al Hikmah Semesta Mayong Branch, to provide sustainable financing solutions. This study aims to analyze the implementation of financing restructuring at KSPPS BMT Al Hikmah Semesta Mayong Branch and evaluate its compliance with the Fatwa of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) No. 48/DSN-MUI/II/2005 and Fatwa DSN MUI No. 47/DSN-MUI/II/2005. This study uses a descriptive qualitative method with data collection including interviews, documentation and literature studies. The results of the study indicate that the financing restructuring carried out includes three categories, namely rescheduling, reconditioning, and restructuring. To avoid financing problems, this process involves active monitoring and effective communication with members as well as the implementation of collateral handling procedures. All implemented processes comply with DSN-MUI fatwas No. 48/DSN-MUI/II/2005 and No. 47/DSN-MUI/II/2005. This research contributes to Islamic financial practices in addressing problematic financing and affirms the institution's commitment to complying with Islamic principles.
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