Analisis Penyelesaian Nasabah Wanprestasi Pada Akad Murabahah Di PT. Bank Muamalat Indonesia, Tbk. KCU Mataram

Abstract

This study aims to analyze the causes of customer default (wanprestasi) in Murabahah contracts and the settlement mechanisms applied by PT. Bank Muamalat Indonesia, Tbk., Main Branch Office (KCU) Mataram. The research background arises from the phenomenon of customer non-compliance in fulfilling payment obligations for Murabahah financing, which leads to increased financing risk and decreased asset quality of the bank. This research employs a descriptive qualitative approach with data collection techniques through interviews, observation, and documentation. The research subjects consist of financing officers and customers who experienced default. Data were analyzed through the stages of data reduction, presentation, and conclusion drawing. The findings indicate that the causes of default are divided into external and internal factors. External factors include decreased income, illness, death, and customers’ lack of responsibility. Internal factors consist of weak financing analysis, insufficient monitoring, and inaccuracy in determining the repayment period. The settlement process is carried out through intensive collection efforts, issuance of warning letters (SP1–SP3), financing restructuring such as rescheduling and contract renewal, and collateral liquidation when customers fail to meet their obligations.This study is expected to serve as an evaluation reference for Islamic banking institutions in improving financing risk management based on the principles of justice and deliberation in Islam.