TINJAUAN SYARIAH TENTANG PEMBIAYAAN BERMASALAH DI PERBANKAN SYARIAH

Abstract

In Islamic banking fnancial institutions, fnancing is a very big asset that
the funding should be maintained based on the quality of the precautionary principle. The precautionary principle is Bank management guideliness that must be adhered,  in order to create a sound, robust and effcient in accordance with the provisions of the legislation. Application of the precautionary principle by Islamic banks one of which is manifested in
the analysis is to analyze the fnancing of confdence in the willingness
and ability of prospective clients to settle all its obligations in time, before
the Islamic Bank disburses funds to customers Recipient Facility“. The
confdence gained from assessment against characteristic carefully,
capability, capital, collatera, and business prospects of the receiving facility
prospective customers (character, capacity, capital , collateral, condition).  
Islamic banks  provide fnancing hope that funding is running smoothly,
customers comply with what was agreed in the agreement and paid when
due. But it can happen in the fnancing period fnancing problems arise.
The efforts made by the Islamic Bank to deal with the problem of fnancing
the rescue fnancing problems with restructuring efforts if the customer still
has a good faith within the meaning still want to be invited to cooperate in
the effort to rescue fnancing problems , but if the customer has not acting
in good faith in the sense of cooperative in an effort to rescue the troubled
fnancing Islamic bank will make solving the fnancing problems.

Keywords : Financing, Islamic Banking, 5C