Analisis Manajemen Resiko Pembiayaan Al-Qardh Tanpa Jaminan di Bank Wakaf Mikro Pondok Pesantren Minhadlul Ulum
DOI:
https://doi.org/10.25217/srikandi.v3i1.6425Keywords:
Financing Risk, Management, Al QardhAbstract
Financing risk management is a method used to minimize the risk of payment default. Some customers of the al-qardh financing program at the Minhadlul Ulum Islamic Boarding School Micro Waqf Bank still experience defaults due to business failures. The purpose of this study was to determine the risk management of unsecured al-qardh financing at the Minhadlul Ulum Islamic Boarding School Micro Waqf Bank. The research used descriptive qualitative field research. Data collection methods included interviews and documentation. Interviews were conducted with the Micro Waqf Bank Manager, Supervisors, and Financing Members involved in qardh contracts at the Minhadlul Ulum Islamic Boarding School Micro Waqf Bank. The results indicate that the Minhadlul Ulum Islamic Boarding School Micro Waqf Bank's implementation of al-qardh financing risk management is in accordance with theory. This is evident in the risk management process, which involves identification, measurement, monitoring, and control, as well as the application of financing analysis, including Character, Capacity, Capital, Condition, and Sharia principles. Although financing risk management is in accordance with theory, some customers at the Minhadlul Ulum Islamic Boarding School Micro Waqf Bank still experience problems with their al-qardh financing
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