Mitigasi Risiko Akad Dalam Pembiayaan Murabahah Pada PT. BPRS Bangun Drajat Warga Yogyakarta

Abstract

The purpose of this study is to understand how to mitigate the risk of murabaha financing at PT. BPRS Bangun Drajat Warga of Yogyakarta (from terror to application). This research is a field research (Field Research) using a qualitative approach that is descriptive-analytical. Data collection techniques through interviews and documentation about mitigating contract risk in murabahah financing at PT. BPRS Bangun Drajat Warga of Yogyakarta Residents. The collected data is then processed and analyzed with a descriptive-inductive mindset. Validity test uses triangulation techniques. The results of the study found that each risk faced has its own mitigation techniques. Mitigation of contract risk in murabahah financing at PT. BPRS Bangun Drajat of Yogyakarta, namely by conducting financing analysis, collateral, and financing restructuring. PT. BPRS Bangun Drajat Warga also implements risk management to minimize the risk of murabaha financing by identifying, measuring, monitoring to risk control to offset the high murabahah financing so that the risks that arise can be handled and the risks that will arise can be avoided.