Penanganan Pembiayaan Bermasalah Di Koperasi Syariah Baituttamkin Unit Kediri

Abstract

Qardhul Hasan financing at the Baituttamkin Sharia Cooperative Kediri Unit is financing without collateral and is non-profit based, where cooperative members only pay the principal amount without any profit sharing or ujrah compensation. In carrying out its program, the Baituttamkin Cooperative's financing is certainly not running smoothly because members are unable to fulfill their obligations to pay off their loans. The formulation of the problem in this research includes: 1) What are the factors that cause Qardhul Hasan financing products in the Baituttamkin Sharia Cooperative, Kediri Unit to be problematic? Based on this, the objectives of this research are as follows: 1) To find out the factors that cause Qardhul Hasan sharia financing products in the Baituttamkin Sharia Cooperative, Kediri unit to have problems. 2) To find strategies for handling problematic financing in Qardhul Hasan financing products at the Baituttamkin Sharia Cooperative, Kediri Unit.

               In this research, the author used field research. In this research the researcher used a qualitative method approach. The data collection techniques in this research are observation, interviews and documentation. Meanwhile, the data analysis techniques used in this research are data reduction, data display, and drawing conclusions.

               The results of this research show that 1) The factors that cause financing problems in the Baituttamkin Sharia Cooperative Kediri Unit, in this case the research was carried out on Qardhul Hasan financing, are 2 factors, namely internal factors, lack of monitoring carried out by the cooperative's internal parties, and external factors which include elements deliberate actions such as members' bad character, and unintentional elements such as natural disasters, family problems, and members' economic/business decline. 2) Efforts to handle problematic financing carried out by the Baituttamkin Sharia Cooperative Kediri Unit include visiting and checking members' economic conditions, resolving them amicably through deliberation, providing motivation and input in running their business, rescheduling and recovery.