PROBLEM FINANCING RESOLUTION STRATEGY IN MUDHARABAH CONTRACT: A CASE STUDY AT BMT ANFA’ NU GRABAG

Indah setyowati; Yeny  Fitriyani; M Pudail

doi:10.47435/adz-dzahab.v10i1.3755

Indah setyowati STAI Syubbanul wathon
Yeny Fitriyani STai Syubbanul Wathon
M Pudail

DOI: https://doi.org/10.47435/adz-dzahab.v10i1.3755

Keywords: akad mudharabah, pembiayaan bermasalah, BMT, keuangan syariah

Abstract

This study examines strategies for resolving problematic financing in mudharabah contracts at BMT Anfa NU Grabag, a Sharia microfinance institution. Financing issues often arise due to internal factors such as poor financial evaluation and lack of oversight, as well as external factors such as unstable economic conditions of clients and insufficient understanding of business management. This research employs a qualitative approach, utilizing interviews, observations, and documentation to collect data. The findings reveal that BMT Anfa implements strategies such as financing restructuring, intensive communication with clients, and the application of the 6C principles (Character, Capital, Capacity, Collateral, Condition, Compliance) to mitigate financing risks. This study provides insights into the importance of strategic financing management based on Sharia principles to support the sustainability of microeconomic activities.

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