Eksekusi Jaminan Hak Tanggungan Sebagai Upaya Penyelesaian Pembiayaan Bermasalah Pada Bank Syariah Indonesia Cabang Harapan Raya Pekanbaru Menurut Undang-undang Nomor 3 Tahun 2006 Tentang Peradilan Agama

The existence of execution of collateral rights which are used as debt guarantees is very necessary because it can move the wheels of the economy and reduce the occurrence of bad loans in the banking world, in the implementation of execution of collateral rights which are used as debt guarantees, it does not cause dissatisfaction from one party so that there are actions aimed at to hinder the execution of the execution. The main problems in this study are: What are the efforts of Indonesian Islamic Banks in Overcoming Financing Problems, and How are Executions Settled according to Law Number 3 of 2006 concerning Religious Courts. The research methods used in this research are: Observational research which was conducted by means of a survey, namely direct research to the research location using data collection tools in the form of interviews. And the research is descriptive, that is, it provides a clear and detailed description of the main problem under study. Settlement of Sharia Bank customers who are in default should only be limited to Aanmaning (reprimand), by making peace between the debtor and the creditor. So that creditors do a rescheduling called reschedullig. So that there are no disputes or rejections from customers who hinder other financing systems.That religious courts have the authority to adjudicate sharia economic cases that are currently developing. This institution needs to increase the knowledge and ability of religious judges in the field of sharia economics or the existence of special judges who are experts in sharia economics. So that it fosters the confidence of justice seekers in religious courts, especially sharia economic cases. If the effective way must be through the execution of mortgages, the execution arrangements should be regulated in Islamic civil law