Aspek Hukum Penyelesaian Pembiayaan Al-Murabahah (Jual Beli) Bermasalah (Studi pada PT Bank Syariah Mandiri Cabang Bandar Lampung)

Abstrak

Giving al - Murabaha financing to debitors is one of the services from syariah bank. The giving financing refers to internal guidelines based on the principle of prudence (prudential). The problems in this study are what are the problematic financing factors and how are the efforts of al-Murabahah financing in solving  the  problematic  al-murabahah  financing.  There  are some points discussed in this research about the causing factors of problematic al-Murabahah financing and their efforts to overcome them. This reserach aims to obtain a complete, detail, and systematic description about the problems mentioned above. This research is a normative law applied by using descriptive method. The approach of the problem was done by the applied study process using secondary data. The data obtained were then analyzed qualitatively. Results of the research and discussion show us that the causal factors of problematic al-Murabahah financing that consists of the bank’s internal factors, internal factors  debetors  ,  and  external  factors.  Prevention  efforts aimed  to  reduce  al-Murabaha  problematic  financing  which are divided into two categories, they are rescue efforts (rescue) and settlement efforts. Both rescue efforts (rescue) and the settlement efforts, resulting in realization of the legal settlement proposed.