ANALISIS MITIGASI RISIKO AKAD MURABAHAH PADA PEMBIAYAAN CICIL EMAS DI BANK SYARIAH INDONESIA KCP. PAMEKASAN TRUNOJOYO

Abstract

Every financing must involve risks that are likely to occur simultaneously. However, this did not happen to fund the gold installments at the Bank Syariah Indonesia KCP Pamekasan Jokotole, as there was no problem with this financing. Of course this happens because the bank is doing the right risk mitigation. The purpose of this study was to determine the risk mitigation of murābaḥah contracts in gold installment financing in the Bank Syariah Indonesia KCP Pamekasan Jokotole. This research uses a qualitative approach. As for this type of research, it is a field research. In the data collection procedures, the researchers used the method of observation, interviews, and documentation. Through this method, researchers process and analyze to obtain data or information. Data analysis techniques using data reduction, data presentation and conclusion drawing. For the validity of the data, the researchers used source triangulations method. The results of this study indicate that there are many risks that are likely to occur in the financing of gold installments at BSI KCP Pamekasan Jokotole, namely credit risk, market risk and operational risk. Therefore, BSI KCP Pamekasan Jokotole it self is mitigating the risks so that these risks do not occur in the future. BSI KCP Pamekasan Jokotole mitigates market risk by setting a down payment of 20% of the gold price, then mitigate operational risk by conducting regular internal monitoring and mitigate credit risk by conducting business intelligence screening, educating customers and implementing 5C financing principles.