Risk Mitigation Strategy for Problematic Mortgage Financing at Bank BTN Syariah KCPS Probolinggo 2020-2023

DOI: https://doi.org/10.33650/ijed.v3i2.9911

Authors (s)


(1) * Hilda Zamrotul Firdausiah   (Universitas Nurul Jadid)  
        Indonesia
(*) Corresponding Author

Abstract


Home ownership credit (KPR) financing is one of the mainstay products offered by financial institutions to meet the needs of the community for housing. However, the increase in the number of problematic KPR financing can bring significant risks to banks and financial institutions. This study aims to identify and evaluate effective risk mitigation strategies in dealing with problematic KPR financing. The research methods used include literature studies and interviews with practitioners in the banking sector. The results of the study indicate that risk mitigation strategies can be grouped into several categories, such as stricter credit analysis, increased communication with customers, application of technology for risk monitoring, and development of restructuring programs for customers who experience payment constraints. In addition, customer education regarding financial management and the importance of planning before taking a KPR has also proven effective in reducing risk. This study is expected to provide input for financial institutions in formulating better policies and strategies to face the challenges of problematic KPR financing, as well as supporting the sustainability and stability of the banking sector as a whole.

Keywords

Risk Mitigation, Strategies, Mortgage Financing



Full Text: PDF



References


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Alhammadi, S. (2023). Expanding financial inclusion in Indonesia through Takaful: opportunities, challenges and sustainability. Journal of Financial Reporting and Accounting. https://doi.org/10.1108/JFRA-05-2023-0256

Febrianto, A., Jadid, U. N., & Probolinggo, K. (2022). JIWA ENTREPRENEUR SANTRI NURUL JADID ISLAMIC BOARDING SCHOOL ’ S STRATEGY IN BUILDING. 18(2), 305–317.

Febrianto, A., Widad, R., & Aini, R. N. (2022). AKSELERASI DISTRIBUSI TECHNICAL SELLING MELALUI KNOWLEDGE SHARING PADA MEDIA SOSIAL: Studi Pada Store Ms Glow Kraksaan Probolinggo. Jurnal Istiqro. https://doi.org/10.30739/istiqro.v8i2.1503

Harismawan, A. A., Ikmal, H., & Muchtar, N. E. P. (2023). Implementasi dan Pembentukan Moderasi Beragama di Madrasah Aliyah Negri 1 Lamongan. Ilmu Pendidikan Islam, 19, 59–73.

Kharissidqi, M. T., & Firmansyah, V. W. (2022). Aplikasi Canva Sebagai Media Pembelajaran Yang Efektif. Indonesian Journal Of Education and Humanity, 2(4), 108–113. http://ijoehm.rcipublisher.org/index.php/ijoehm/article/view/34

Leal Filho, W. (2020). Viewpoint: accelerating the implementation of the SDGs. International Journal of Sustainability in Higher Education, 21(3), 507–511. https://doi.org/10.1108/IJSHE-01-2020-0011

Prasetyaningrum, N., Suyanto, & Ramadhan, D. M. (2021). Interaksi Sosial Antar Pedagang Barang Antik di Galeri Industri Kreatif Kota Lama Semarang Nurfaizah. 16, 66–87.

Wahyuningsih, F., & Rojuaniah. (2023). Pengaruh Kualitas Sistem Dan Kualitas Layanan Terhadap Loyalitas Dimediasi KepuasanBankuoru Egala, S., Boateng, D., & Aboagye Mensah, S. (2021). To leave or retain? An interplay between quality digital banking services and customer satisfaction. Internati. Jurnal Manajemen Bisnis Dan Organisasi, 2(2), 16–26. https://doi.org/10.58290/jmbo.v2i2.114

Zamroni, Z., Baharun, H., Febrianto, A., Ali, M., & Rokaiyah, S. (2022). Membangun Kesadaran Santripreneur Berbasis Kearifan Lokal di Pondok Pesantren. Jurnal Ekonomi Dan Bisnis Islam, 7(1), 115. https://journal.uinsi.ac.id/index.php/altijary/article/view/4264


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IJED: International Journal of Economy Development Research
Published by Islamic Faculty of Nurul Jadid University, Probolinggo, East Java, Indonesia.