PENERAPAN PRINSIP 5P DALAM MEMINIMALISIR RISIKO PEMBIAYAAN MUSYARAKAH MUTANAQISAH PADA PT. BANK NTB SYARIAH

Authors

  • Hany Mareta Universitas Islam Negeri Mataram, Indonesia
  • Hariono Hariono Universitas Islam Negeri Mataram, Indonesia
  • Nurul Susanti Universitas Islam Negeri Mataram, Indonesia

DOI:

https://doi.org/10.30863/ibf.v2i2.3793

Keywords:

5P principle (party, purpose, payment, profitability, protection), Risk, Musyarakah Mutanaqisah Financing

Abstract

The purpose of this study is to find out how to apply the 5P principle (party, purpose, payment, profitability, protection) in minimizing the risk of providing musyarakah mutanaqisah financing and find out whether or not the application of the 5P principle is effective in minimizing financing risk. This research uses a qualitative approach and by researching directly at PT. Bank NTB Syariah. This type of research data uses primary and secondary data types, data collection techniques through observation, interviews, and documentation. The informant came from the consumer finance division and risk management desk. The result of this study is the application of the 5P principle in minimizing the risk of providing musyarakah mutanaqisah financing at PT. Bank NTB Syariah has been applied according to theories on every principle and has applied the precautionary principle as in Law No.21 of 2008 concerning Sharia Banking in Article 2 and Article 23 paragraphs (1) and (2), and Bank Indonesia Regulation No.14 of 2012 concerning Asset Quality Assessment of Commercial Banks, in Article 2 paragraphs (1) and (2). Then the effectiveness of the application of the 5P principle in 2019 to 2021 has been very effective in minimizing the risk of musyarakah mutanaqisah financing, this is based on the results of interviews and observations from Non-Performing Financing which is decreasing and the bank can achieve the Non Performing Financing target contained in the Bank's Business Plan in 2019 to 2021

References

Abdul Aziz. (2018).Analisis Risiko Pembiayaan Musyarakah Lembaga Keuangan Syariah, Jurnal

IAIN Syekh Nurjati Cirebon.

Detisa Monica Podung. (2016). Kredit Macet Dan Penerapan Prinsip Kehati-Hatian Dalam

Perbankan, Jurnal Lex Crimen Vol. V, No. 3.

Etty Mulyatia, & Fajrina Aprilianti Dwiputri. (2018). Prinsip Kehati-Hatian Dalam Menganalisis

Jaminan Kebendaan Sebagai Pengaman Perjanjian Kredit Perbankan, Jurnal Acta Diurnal

Volume 1, Nomor 2.

Gito Sagita Nova. (2022). Faktor-Faktor Yang Mempengaruhi Persepsi Nasabah Terhadap

Pembiayaan Bank NTB Syariah di Kecamatan Lunyuk, Journal Of Innovation Research And

Knowledge,Vol. 1 No. 9.

Hani Tahliani.(2020). Tantangan Perbankan Syariah Dalam Menghadapi Pandemi Covid-19,Jurnal

Madani Syariah, Vol. 3 No.2.

Hardani, Dkk. (2020).Metode Penelitian Kualitatif & Kuantitatif, Yogyakarta:CV. Pustaka Ilmu.

Henny Sri Astuty. (2015). Prinsip 6C (Character, Capasity, Capital, Condition Of Economy,

Collateral, Dan Constraint) Dalam Wirausaha Mahasiswa, Jurnal Economia, Volume 11,

No. 1.

Ikatan Bankir Indonesia (IBI). (2015). Manajemen Risiko 2 Modul Sertifikasi Manajemen Risiko

Tingkat II, Jakarta: PT. Gramedia Pustaka Utama.

Ipan Sunarto. (2015). Efektivitas Pelayanan Pegawai Bank Rakyat Indonesia (BRI) Cabang

Kecamatan Tenggarong Seberang, eJournal Administrasi Negara, Vol. 3, No. 4..

Laporan Tahunan PT. Bank NTB Syariah 2021.

Lukman Hakim Siregar, & Mekar Meilisa Amalia. (2019). Implementasi Dan Prinsip Kehati-Hatian

(Prudential Banking Principle) Pembiayaan Mikro Bank Syariah Mandiri Cabang Medan

Marelan, Jurnal Warta Edisi: 59.

M. Nur Rianto Al-Arif. (2012). Dasar-Dasar Pemasaran Bank Syariah, Bandung: Alfabeta.

M. Ridwan, & Syahruddin. (2013). Implementasi Musyarakah Mutanaqisah Sebagai Alternatif

Pembiayaan Murabahah di Perbankan Syariah Indonesia, Jurnal Tsaqafah Vol. 9, No. 1.

Muzdalifa Hifdzuhuma. Implementasi Manajemen Risiko Pembiayaan Musyarakah Dalam

Perspektif Manajemen Risiko Syariah di BMT Batik Mataram,Skripsi, FIAI UII,

Yogyakarta.

Nisa Aulia, & Andri Soemitra. (2021). Efektivitas Penyaluran Dana Zakat Program Pesantren

Tahfidz Quran (PTQ) Pada Masa Pandemi Covid-19 Di Laznas Nurul Hayat Cabang Medan,

ACTIVA: Jurnal Ekonomi Syariah, Vol. 4, No. 2.

Rahmatul Irfan. (2020). Pengaruh Gaya Kepemimpinan Tranformasi, Kepuasan Kerja Dan Motivasi

Terhadap Kinerja Pegawai Bank NTB Syariah Pada Kantor Cabang Bima,Jurnal Ilmu Sosial

dan Pendidikan Vo. 4. No. 3.

Rizki Ramadiyah. (2014). Model Sistem Manajemen Risiko Perbankan Syariah Atas Transaksi

Usaha Masyarakat, Jurnal Kewirausahaan , Vol 13, No.2.

Rusdan. (2016). Urgensi Manajemen Pengawasan Risiko Bank Syariah, Jurnal Studi Keislaman dan

Ilmu Pendidikan Volume 4 Nomor 2.

Veithzal Rivai dan Andri Soemita. (2013). Credit Manajemen Handbook, Jakarta:Rajawali Press

Downloads

Published

2023-01-01

How to Cite

Mareta, H., Hariono, H., & Susanti, N. (2023). PENERAPAN PRINSIP 5P DALAM MEMINIMALISIR RISIKO PEMBIAYAAN MUSYARAKAH MUTANAQISAH PADA PT. BANK NTB SYARIAH. Islamic Banking and Finance, 2(2), 295–307. https://doi.org/10.30863/ibf.v2i2.3793

Issue

Vol. 2 No. 2 (2022)

Section

Articles

Citation Check

License

Authors who publish with Islamic Banking and Finance Journal agree to the following terms:

Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License (CC BY-SA 4.0) that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.

Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.

Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.