THE ANALYSIS OF LOAN REPAYMENT BEHAVIOR ON SHARIA BANKS’ DEBTORS
Abstract
The aim of this study is to analyze the debtors’ behavior of sharia banks. The analysis is based on literature review from various studies related to the case study of sharia banks debtors’ behavior in Indonesia. The result shows that there are four main aspects of banking behavior, e.g., asymmetric information, character of customer, content of the contract, and monitoring. The customers have high awareness to pay their debt to the bank, unfortunately they need continuous supports from the banks such as intensive monitoring and supervision. Beside these two kinds of support, the banks also need to socialize and warn customers to read the contract carefully. Understanding the contract ('Aqd) is the most important aspect to ensure the financing is repaid well by the customers.
Keywords
Full Text:
PDFReferences
Gandapraja, P. (2004). Dasar dan Prinsip Pengawasan Bank. Jakarta: PT Gramedia Pustaka Utama.
Karim, A. A. (2008). Bank Islam: Analisis Fiqh dan Keuangan. Edisi 3, Jakarta: PT Raja Grafindo Persada.
Kasmir. (2008). Bank dan Lembaga Keuangan Lainnya. Jakarta: PT Raja Grafindo Persada.
Kirana, Martha, “Analisis Pengaruh Komitmen Akad terhadap Pengembalian Pembiayaan pada Bank Syariah: Studi Kasus Bank Syariah di Kota Bogor”. Tesis Program Magister Ilmu Ekonomi Syariah, Universitas Ibn Khaldun Bogor, 2013.
Kirk, J., & Marc, L. (1986). Miller, Reliability & Validity in Qualitative Research, Vol 1. Beverly Hills: Sage Publications.
Kotler, P., & Kevin, K. L. (2008). Marketing Management, 12th Edition, Prentice Hall, International Inc, New Jersey.
Krippendorff, K. (1981). Content Analysis An Introduction to Its Methodology. Beverly Hills: Sage Publications.
Kristiyanto, R. (2008). “Konsep Pembiayaan dengan Prinsip Syariah dan Aspek Hukum dalam Pemberian Pembiayaan pada PT Bank Rakyat Indonesia (Persero) Tbk. Kantor Cabang Syariah Semarang”. Tesis Program Magister Ilmu Hukum Universitas Diponegoro, Semarang.
Muhammad. (2002). Bank Syariah Analisis Kekuatan, Kelemahan, Peluang dan Ancaman, Yogyakarta: Ekonosia.
Rivai, V., Andria, P. V., & Ferry, N. I. (2007). Bank and Financial Institution Managmenet Conventional & Sharia System. Jakarta: PT Raja Grafindo Persada.
Schiffman, L. G., and Leaslie, L. K. (1994). Consumer Behavior: Sixth Edition, Engelwoods Cliff, New Jersey, Prentice Hall.
Siamat, D. (2005). Manajemen Lembaga Keuangan. Edisi Kelima. Jakarta: Lembaga Penerbit FEUI, hlm 21.
Otoritas Jasa Keuangan, Republik Indonesia, Departemen Perizinan dan Informasi Perbankan, Statistik Perbankan Indonesia, Vol 15 No 2, 2017.
Otoritas Jasa Keuangan, Republik Indonesia, Departemen Perizinan dan Informasi Perbankan, Statistik Perbankan Syariah, 2017.
Susilo, Sri Y, et al. (2000). Bank dan Lembaga Keuangan Lain. Jakarta: Salemba Empat.
Weber, R. P. (1885). Basic Content Analysis. Beverly Hills: Sage Publications.
Zaltman, G., & Melanie, W. (1979). Consumer Behavior: Second Edition, Englewood Cliff, New Jersey, Prenctice Hall.
DOI: https://doi.org/10.32507/ajei.v8i1.440
Refbacks
- There are currently no refbacks.
Copyright (c) 2019 Imron Soleh
Indexed by:
.png)
© Copyright CC BY-SA Al-Infaq: Jurnal Ekonomi Islam, p-ISSN: 2087-2178, e-ISSN: 2579-6453 |
