MITIGASI WANPRESTASI NASABAH PEMBIAYAAN MURABAHAH MELALUI MEKANISME TA’ZIR DAN TAWIDH (STUDI KASUS BSI KCP SURABAYA UINSA)
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Abstract
Abstract
Ta’zir and tawidh are applied if a customer fails to pay the financing installments submitted at a
sharia banking institution. This journal exists to investigate how the two Islamic legal concepts
of ta’zir and tawidh are applied in murabahah financing. This case study was conducted at Bank
Syariah Indonesia Surabaya Sub-Branch Office, Sunan Ampel State Islamic University (BSI KCP
Surabaya UINSA) with the aim of finding out how Islamic banks handle late payments for
murabahah financing customers. Apart from that, if it cannot be handled, legal action will be
taken by the bank regarding the problem. Field research was involved by the author because
this journal uses qualitative methods. Interviews from BSI KCP Surabaya UINSA employees,
observations, and analysis of various related books and journals became data collection techniques
from the research conducted by the author. This journal concludes that BSI KCP Surabaya
UINSA more often uses the ta’zir concept to handle defaulting customers. In addition, this bank
is trying to offer other options to its customers who are experiencing financial problems.
Abstrak
Ta’zir dan tawidh diterapkan apabila terdapat nasabah lalai dalam membayar angsuran pembiayaan
yang diajukan di lembaga perbankan syariah. Jurnal ini hadir guna menyelidiki bagaimana dua
konsep hukum Islam ta’zir dan tawidh diterapkan dalam pembiayaan murabahah. Studi kasus
ini dilakukan di Bank Syariah Indonesia Kantor Cabang Pembantu Surabaya Universitas Islam
Negeri Sunan Ampel (BSI KCP Surabaya UINSA) dengan tujuan untuk mengetahui bagaimana
bank Islam menangani keterlambatan pembayaran nasabah pembiayaan murabahah. Selain
itu apabila tidak bisa ditangani terdapat tindakan hukum yang diambil oleh pihak bank terkait
permasalahan tersebut. Penelitian lapangan dilibatkan oleh penulis karena jurnal ini menggunakan
metode kualitatif. Wawancara dari pegawai BSI KCP Surabaya UINSA, pengamatan, serta analisis
berbagai buku maupun jurnal yang berkaitan menjadi teknik pengumpulan data dari penelitian
yang dilakukan penulis. Penelitian ini menyimpulkan bahwa BSI KCP Surabaya UINSA lebih
sering menggunakan konsep ta’zir untuk menangani nasabah wanprestasi. Selain itu, bank ini
berusaha untuk menawarkan opsi lain kepada nasabahnya yang mengalami masalah keuangan.
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