Analisis Strategi Bank Tabungan Negara (BTN) Syariah Kota Batam Dalam Penanganan Wanprestasipada Pembiayaan Kredit Pemilikan Rumah (KPR) Perspektif Hukum Islam

Abstract

KPR Syariah is one of the products of Bank BTN Syariah which is able to solve housing problems in Indonesia. Not all of a business goes as expected, as is the case with financial institutions, of course there are customers who commit defaults, namely not carrying out the obligations that have been determined. Troubled mortgages can be thought of as a congested home ownership financing between debtors who are unable to fulfill their obligations that have been promised to the bank or company. This study aims to find out how the strategy analysis of the Syai·iah Kota·Batam Negai·a Savings Bank (BTN) strategy is in handling defaults on housing loan financing (KPR) according to the Perspective of Islamic Law. This study uses descriptive qualitative research methods. Data were obtained from observation, documentation, and interviews. In this study, two sources of data were used, namely primary data and secondary data. Factors that cause defaults in KPR financing at Bank BTN Syariah Batam are internal factors, namely caused by the BTN bank itself, and external factors, namely caused by the customer or other parties outside of Bank BTN Syari'ah Batain. The results of the research show that the analysis of strategies for handling defaults in mortgage financing according to the Perspective of Islamic Law uses cai·a Al-Sult (secai·a dainai), At-Tahkin (through arbitration bodies), and Al-Qadha (the Judiciary). This is in line with that applied to the Syai·iah Batain Savings Bank Negai·a (BTN) in implementing the strategy for handling defaults on mortgage financing in controlling financing so that it does not experience bottlenecks by using the 5C principles, namely character, capacity, capital, collateral, and condition. In addition, the Bank also conducts coaching for customers, restructuring, and the last stage is taking legal action for customers who do not have good faith in fulfilling their obligations