Abstract
Coronavirus Disease 2019 (Covid 19) has made a serious impact on the national banking industry. Financial Services Authority (OJK) has issued a relaxation policy that is expected to suppress non-performing loans/financing in national banks. This study aims to identify and assess policies, technical models and contracts from restructuring activities for customers affected by Covid 19 at Islamic Banks towards sharia principles and banking prudential principles. This Qualitative - Empirical Research concludes that the activity of restructuring activities for customers affected by Covid 19 at PT Bank Daerah Syariah is in accordance with sharia principles and banking prudential principles, a note of improvements on the side of administrative costs and the financing restructuring contract.
Highlights
Pandemi Coronavirus Disease 2019 (Covid 19) berdampak serius pada industri perbankan nasional
This study aims to identify and assess policies, technical models and contracts from restructuring activities for customers affected by Covid 19 at Islamic Banks towards sharia principles and banking prudential principles
This Qualitative Empirical Research concludes that the activity of restructuring activities for customers affected by Covid 19 at PT Bank Daerah Syariah is in accordance with sharia principles and banking prudential principles, a note of improvements on the side of administrative costs and the financing restructuring contract
Summary
Penelitian ini adalah kualitatif – empiris tentang praktek penyelamatan pembiayaan berkualitas rendah dan bermasalah nasabah terdampak Covid 19 pada PT. Bank Daerah Syariah dengan pendekatan konseptual dan perundang-undangan. Data primer penelitian ini diperoleh melalui wawancara kepada pejabat Bank yang langsung melaksanakan aktivitas restrukturisasi. Data sekunder diperoleh melalui studi pustaka terhadap dokumen kebijakan dan literatur lainnya yang berkaitan dengan topik penelitian. Teknik analisa data yang digunakan adalah deskriptif analisis
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