ANALISIS PENYELESAIAN PEMBIAYAAN BERMASALAH PADA BANK SYARIAH AKIBAT BENCANA ALAM COVID 19

Abstract

Abstract:

Banking is an institution that has a major role in building a country. One of the important factors in the development of a country is the support of a healthy and stable financial system. Islamic banks operate without relying on interest. In practice, we can never let go of sharia financing from a risk condition, considering that the risk of Shari'ah financing is not always caused by the inability to pay from the customer in a position like what was agreed at the beginning of the financing in the financing agreement. Force Majeure is a condition that occurs after an agreement is made, which prevents the customer from fulfilling his / her performance, where the customer cannot be blamed and cannot take risks and cannot expect this to happen when the agreement is made. how the Islamic concept of economy and finance responds and provides solutions to the COVID-19 pandemic. To support the central government, OJK also issued POJK No. 11 / POJK.03 / 2020 to provide relaxation to banking customers, including sharia banking, namely the ease of restructuring and rescheduling processes.