Mitigasi Risiko Pembiayaan Syariah di Era Pandemi COVID-19: Studi Manajemen Risiko Pembiayaan Murabahah pada PT. BPR Syariah PNM Patuh Beramal Kota Mataram

Abstract

The Covid-19 pandemic has had a significant impact on the global economy, including the Islamic financial sector. One of the main challenges is the increasing financing risk, particularly murabahah financing in Islamic financial institutions. This study aims to analyze murabahah financing risk management at PT. BPR Syariah PNM Patuh Beramal Kota Mataram and the mitigation strategies implemented during the pandemic. The research method used a qualitative approach with a case study technique through interviews, observations, and documentation. The results show that murabahah financing risks during the pandemic tended to increase, especially default risk due to the decline in customer income. Risk mitigation was carried out through financing restructuring, implementing prudential principles in customer feasibility analysis, and strengthening post-disbursement monitoring. This study provides practical implications for strengthening Islamic banking risk management in the face of global economic uncertainty.