Analisis Penurunan Nasabah Pembiayaan KPR IB Dengan Akad Ijarah Muntahiyyah Bittamlik (IMBT) Di Bank Syariah XYZ
DOI:
https://doi.org/10.32493/JABI.v4i1.y2021.p1-15Keywords:
exploration of potential, land rights and / or buildings, income tax, taxation, public sector accounting, state finances, JABIAbstract
The Ijarah Muntahiyyah Bit Atamlik (IMBT) contract for KPR IB products at Sharia Bank XYZ from 2008 to 2015 has reached 90% of the total portfolio financing, but since 2016 to date, financing customers with IMBT contracts have decreased, recorded at the end of December 2019 only 16% of the total financing. However, the decline in financing customers with the IMBT agreement did not affect the increasing total financing. This study aims to find the causes of the decline in the financing portfolio with the IMBT contract and the policies taken by Sharia Bank XYZ to overcome this decline. Among the results of this research using qualitative methods, it is concluded that the decline in customers with IMBT contracts is caused by internal and external factors. Internal factors are caused by the lengthy on the Internal Rate Return obtained by the bank and the difficulty in increasing the rental margin due to prior customer approval. Meanwhile, external factors are caused by the character of customers who find it difficult to accept if there is an increase in rental margins. From these two factors, Sharia bank XYZ seeks to make policies by reducing and limiting financing products with the IMBT contract and increasing the marketing of financing products with other contracts such as Murabahah or other contracts.
Keywords: Declining customer; Ijarah Muntahiyah Bittamlik; Internal and External Factors.
Abstrak
Akad Ijarah Muntahiyah Bit Atamlik (IMBT) untuk produk KPR IB di Bank Syariah XYZ sejak tahun 2008 hingga tahun 2015 mencapai 90% portofolio dari total pembiayaan, namun sejak tahun 2016 hingga saat ini nasabah pembiayaan dengan akad IMBT semakin menurun tercatat pada akhir Desember 2019 hanya tinggal 16% dari total pembiayaan. Akan tetapi menurunnya nasabah pembiayaan dengan akad IMBT tersebut tidak berpengaruh terhadap total pembiayaan yang semakin meningkat. Penelitian ini bertujuan mencari penyebab turunnya portofolio pembiayaan dengan akad IMBT dan kebijakan yang diambil Bank Syariah XYZ untuk mengatasi penurunan tersebut. Di antara hasil penelitian dengan metode
kualitatif ini menyimpulkan bahwa penurunan nasabah dengan akad IMBT disebabkan oleh faktor internal dan eksternal. Faktor internal disebabkan oleh lamanya tingkat pengembalian Internal Rate Return yang didapat oleh bank dan sulitnya menaikkan margin sewa karena harus ada persetujuan nasabah terlebih dahulu. Sedangkan faktor eksternal disebabkan oleh karakter dari nasabah yang sulit menerima jika ada kenaikan margin sewa. Dari dua faktor tersebut Bank Syariah XYZ mengambil kebijakan dengan mengurangi dan membatasi produk pembiayaan dengan akad IMBT serta meningkatkan pemasaran produk pembiayaan dengan akad lain seperti murabahah atau akad yang lainnya.
Kata Kunci: Penurunan Nasabah; Ijarah Muntahiyah Bittamlik; Faktor Internal dan Eksternal.
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