Abstract

This study aims to analyze the causative factors of problematic financing, especially in murabahah financing and policies

which are taken to solve the financing problem at Bank Muamalat Indonesia. The data collection was collected through

documentation which was then analyzed qualitatively. The results showed that the causative factors of murabahah financing

come from customers, internal banks, and fictitious factors. The policies implemented very comprehensively since prevention

to completion. The technical settlement was done by using on the spot method, summons, billing, restructuring, sale of

collateral, and write off as well as the determination of the fine. In addition, BMI also has internal policy patterns that are not

directly regulated in detail by financial services authorities such as the formation of remedial teams that deal specifically with

problem financing.

Keywords: non performing financing, murabahah financing, internal policies, Bank Muamalat Indonesia, Financial Service Quality