Implementasi Pengalihan Hutang dan Pengelolaan Risiko Gagal Bayar pada Produk Pembiayaan Gadai Emas PT Bank Syariah Indonesia Tbk Kantor Cabang Pembantu (KCP)

IMPLEMENTASI PENGALIHAN HUTANG DAN PENGELOLAAN RISIKO GAGAL BAYAR PADA PRODUK PEMBIAYAAN GADAI EMAS PT BANK SYARIAH INDONESIA TBK KANTOR CABANG PEMBANTU (KCP) BANTAENG

Abstract

This study aims to analyze the implementation of debt transfer and default risk management in gold pawn financing products at PT Bank Syariah Indonesia Tbk's Bantaeng branch office (KCP). The main problem is then broken down into several research questions: 1) What factors cause debt transfer and default in gold pawn financing products at Bank Syariah Indonesia Bantaeng branch office? 2) What is the implementation mechanism for debt transfer in gold pawn financing products at Bank Syariah Indonesia Bantaeng branch office? 3) What strategies are implemented in managing debt transfer and default in gold pawn financing at Bank Syariah Indonesia Bantaeng branch office? This study used a qualitative method with a field research approach located on Jl. Raya Lanto, Tappajeng Village, Bantaeng District, Bantaeng Regency. Data sources were obtained through observation, interviews, and documentation. The data sources used in this study were sourced from primary and secondary data. Data management and analysis techniques were carried out in three stages: data reduction, data presentation, and conclusion drawing. Research by BSI KCP Bantaeng shows that it implements default risk management strategies, including educating customers on the fundamentals of the Islamic financial system. Furthermore, the bank offers financing relief to customers experiencing payment difficulties due to social factors such as natural disasters, health emergencies, or job loss, as a way of implementing the values ​​of justice and empathy.