Efektivitas Kebijakan Restrukturisasi Pembiayaan Bermasalah pada Masa Pandemi Covid-19

Authors

  • Arli Sutanti Universitas Hayim Asy’ari Jombang, Indonesia
  • Peni Haryanti Universitas Hayim Asy’ari Jombang, Indonesia

DOI:

https://doi.org/10.24256/joins.v5i2.3362

Keywords:

Effectiveness, Restructuring Policy, NPF

Abstract

The Indonesian government through the task force for handling the corona virus stated that the World Health Organization had given an official statement on March 9, 2020 regarding COVID-19 which was declared a pandemic. As a result of this, the banking industry experienced a decline in income caused by debtors who had difficulty paying their obligations due to declining sales due to the COVID-19 pandemic. Banks needed to restructure to save themselves from much larger losses. This statement is supported by the POJK issued by the OJK at the POJK 2020 concerning National Economic Stimulus as a Countercyclical Policy for the Impact of the Spread of Corona Virus Disease 2019 at Number 11/POJK.03/2020. This study aims to determine the effectiveness of the financing restructuring policy on non-performing financing during the pandemic. From the results of research conducted by researchers using three data collection techniques, namely observation, interviews, and documentation, it can be concluded that the implementation of the financing restructuring policy due to the COVID-19 pandemic at BPRS Lantabur Tebuireng has been implemented effectively in reducing Non Performing Finance. The implementation of financing restructuring is considered to be able to assist BPRS Lantabur Tebuireng in arranging appropriate payment schemes for debtors whose businesses are affected by the COVID-19 pandemic.

References

Amalia, R. J., & Adinugraha, H. H. (2021). Restrukturisasi Pembiayaan Pada Bank Syariah Di Masa Pandemi Covid-19 Perspektif Hukum Perikatan Islam. Kunuz: Journal of Islamic Banking and Finance, 1(2), 107–109. https://doi.org/10.30984/kunuz.v1i2.50

Hardi, D. W., & Ilham, M. (2021). Analisis Restrukturisasi Pembiayaan Perbankan Syariah Dimasa Covid-19 Tahun 2020. Wahana Islamika: Jurnal Studi …, 7(2), 219–233.

Haryanti, P. (n.d.). Pengaruh Financing To Deposit Ratio (Fdr) Dan Inflasi Terhadap Non Performing Financing (Npf) Pada Pt. Bank Brisyariah. Vol 4 No 2(Vol 4 No 2 (2019): Discovery Vol. 04 No. 02 Tahun 2019). http://ejournal.unhasy.ac.id/index.php/discovery/article/view/516

Kasmir. (2016). bank dan lembaga keuangan lainnya (revisi 201). rajawali pers.

Kholiq, A., & Rahmawati, R. (2020). Dampak Implementasi Restrukturisasi Pembiayaan terhadap Likuiditas Bank Syariah pada Situasi Pandemi Covid-19. El-Barka: Journal of Islamic Economics and Business, 3(2), 282–316. https://doi.org/10.21154/elbarka.v3i2.2472

Kominfo. (n.d.). Hoaks Harian Covid-19. http://web.kominfo.go.id

Ningsih, M. R., & Mahfudz, M. S. (2020). Dampak Pandemi Covid-19 Terhadap Manajemen Industri Perbankan Syariah: Analisis Komparatif. Point, 2(1), 1–10. https://doi.org/10.46918/point.v2i1.576

Nofiantoro, W., & Putri, N. W. A. P. (2021). Efektivitas Implementasi Restrukturisasi Pembiayaan Akibat Pandemi Covid-19 Terhadap Penurunan Npf Pada Pt Bank Dki Unit Usaha Syariah. Jurnal Bisnis Terapan, 4(1), 128–130.

Rosyida, D. (2021). Restrukturisasi Dan Digitalisasi Pembiayaan Di Masa Pandemi Covid 19. Jurnal Aplikasi Teknologi Pangan, 4(1), 1–2. https://eprints.walisongo.ac.id/id/eprint/14858

Sanjaya, I., Meriyati, & Choirunnisak. (2021). Bermasalah Di Bprs Al Falah Banyuasin Pada Masa Pandemi Covid-19. Jurnal Ilmiah Mahasiswa Pebankan Syriah (Jimpa), 1(2), 171–176.

Sayekti, I. M. S. (n.d.). Dampak Ekonomi Pandemi Covid-19. https://analisis.kontan.co.id/news/dampak-ekonomi-pandemi-covid-19.

Sugiyono. (2018). Metode Penelitian Kualitatif (S. Y. Suryandari (ed.); Edisi ke 3). Penerbit Alfabeta.

WHO2021. (n.d.). Update on coronavirus disease in Indonesia. https://www.who.int/indonesia/news/novel-coronavirus

Downloads

Issue

Vol. 5 No. 2 (2022): DESEMBER

Section

Articles

Citation Check

License

Authors who wish to publish and disseminate their papers with the Journal Of Institution And Sharia Finance shall agree to the publishing rights set by Journal Of Institution And Sharia Finance Authors understand that they shall assign publication right to as part of the process upon acceptance for publication. Authors agreed that they will transfer certain copyrights to Journal Of Institution And Sharia Finance. Consecutively, authors still retain some rights to use and share their own published articles without written permission from Journal Of Institution And Sharia Finance.


Authors granted Journal Of Institution And Sharia Finance. these following rights; (1) the right to publish and provide the manuscripts in all forms and media for the purpose of publication and dissemination, (2) the authority to enforce the rights in the manuscript, for example in the case of plagiarism or in copyright infringement.

Journal Of Institution And Sharia Finance will follow COPE’s Code of Conduct and Best Practice Guidelines for Journal Editors to protect the research results and takes allegations of any infringements, plagiarisms, ethical issues, and frauds should those issues arise. The manuscript is attributed as authors' work, and are properly identified.