ESTD PERPUSTAKAAN UNTAD
ESTD PERPUSTAKAAN UNTAD
| JudulStudi Pembiayaan Bank Syariah Pasca Bencana Alam Di Kota Palu Tahun 2018 |
| Nama: FANDY AHMAT |
| Tahun: 2020 |
| Abstrak The study aims to analyze the development of sharia bank financing after natural disasters in the Palu city in 2018. The analysis was carried out at the macro and micro levels. Macro analysis uses data from the Central Sulawesi Province Financial Services Authority. While the micro analysis is based on interviews with sharia banks. The selection of research subjects at BNI Syariah Bank and Muamalat Bank to see the response of sharia banks related to post-disaster conditions. The analytical method used for this research is descriptive qualitative analysis, namely by providing a narrative explanation of the phenomenon under study and understanding the meaning of the subject’s actions. The development of post-disaster sharia banking financing in Palu city is shown by the level of problem financing that has excedeed the safe limit set by the Financial Services Authority. The portion of consumption financing dominates the structure of financing channeled so that the portion of financing to sustain productive activities tends to be lower. Settlement of problem financing particularly at BNI Syariah Bank and Muamalat Bank, is carried out through a restructuring, preventive measures and collateral settlement. Distribution of financing by BNI Syariah and Muamalat Bank is generally conducted in the form of a trade agreement (murabahah) based on an analysis of the ability to pay and the existence of collateral. Keywords: Financing, Sharia Banks, Natural Disasters |