Mekanisme Rescheduling Pada Pembiayaan Bermasalah Dengan Akad Murabahah Skema Modal Kerja Pada PT. BPRS Gebu Prima Medan

Abstract

Working capital financing with a murabahah contract is a form of financing needed by the
customer to purchase a product with the obligation to return the bailout as agreed. However, this
financing cannot be separated from problems in the form of defaults known as non-performing financing.
Problem financing can be resolved through rescheduling activities. The purpose of this study was to
determine the mechanism & application of rescheduling on problematic working capital financing with a
murabahah contract of working capital scheme at PT. BPRS Gebu Prima Medan. The type of data used
in this study is a qualitative approach with descriptive analysis, where the data obtained through
observation, interviews and document review to obtain information and then analyze it. The results of this
study indicate that rescheduling can be carried out as long as there is good faith from the customer to
resolve problem financing and the bank also provides an opportunity with family efforts in the form of
deliberation by providing relief in the form of an extension of the installment period in accordance with
the problem analysis carried out by the bank to the customer.