Analisis Efektivitas Restrukturisasi Dalam Penyelesaian Pembiayaan Bermasalah di Bank Sumut Cabang Syariah Pematangsiantar

Abstract

This study aims to determine the effectiveness of restructuring in solving problematic financing at Bank Sumut Syariah Pematangsiantar. This research was obtained on the assumption that restructuring is very effective in solving problem financing. The method used in this research is a descriptive qualitative method. Data collection techniques in this study are using observation, interviews, and documentation. Based on the results of research and data analysis, it was concluded that there were two factors causing problematic financing, where internal factors were the bank's inaccuracy in analyzing customer eligibility, lack of supervision of customer business conditions, and customers using financing funds for other purposes. While external factors, namely the customer's business is not running smoothly, and come from an unstable economy. Based on data on the health analysis of APYD banks, 12.07% were in the fairly healthy category. RR of 86.19%, this indicates the health of the bank's financing is in the good category, so that it can reduce the level of congestion. Financing restructuring is very effective for troubled financing because with the relief provided by the bank, the customer will be able to return to paying bills according to the agreed maturity date