RESTRUKTURISASI SEBAGAI SALAH SATU UPAYA PENYELESAIAN PEMBIAYAAN BERMASALAH DI BANK SYARIAH

Abstract

The major function of two banking is the fundraising and channeling funds. And those of conventional banks in the distribution of funds is known as the credit while in the shariah banking is financing. In practice in that of conventional banks often found problems that had occurred in do credit, one of them is extreme customers to repay a fund in accordance with the agreement. As also often occurring in that of conventional banks, syariah banking in their function as financial intermediary is face issues such as npf. Inability is typical of the customers to fulfill their obligations, Make the quality of assets soured and decreased their revenue status. This is the kind of research is library research and used qualitative analysis descriptive. This needs to be done by syariah banks to recover from npf and help customers to solve duties it syariah banks can restructure through: rescheduling; reconditioning back; restructuring. However if the restructuring it appeared that did not work, then syariah banks can do the npf through: seizure collateral, the national syariah arbitration, and settlement of passing litigation.