Analisis Yuridis Mengenai Penyelesaian Pembiayaan Macet Akibat Debitur Wanprestasi Pada Bank Pembiayaan Rakyat Syariah Hasanah Pekanbaru

Bank Pembiayaan Rakyat Syariah is a financial institution that uses sharia principles in its implementation by providing services to the public to meet financing needs. BPR Syariah Hasanah Pekanbaru is a pioneer bank for sharia banking in the Riau Province region which has been operating since January 9, 1995. As a sharia banking, BPR Syariah Hasanah Pekanbaru operates with a sharia system which has the aim of helping and collaborating with the wider community in growing people's lives by transaction media and sharia financial services. BPR Syariah Hasanah is collecting public funds and channeling them in the form of financing using contracts and procedures that are in accordance with sharia principles. In the financing activities carried out by BPRS Hasanah Pekanbaru, several problems were found, such as bad financing. This can increase if it is not minimized by the bank. Based on the background above, problems arise, namely: 1) How is the settlement of bad financing carried out by BPR Syariah Hasanah Pekanbaru due to default debtors, 2) What are the obstacles in solving bad financing due to default debtors for the BPR Syariah Hasanah Pekanbaru. According to the type, this study falls under the category of sociological research, namely research that is carried out directly to the field. In collecting data, the authors use primary data sources, namely data obtained directly from the research location by conducting interviews and observations. The author obtained primary data from BPRS Hasanah Pekanbaru, as well as secondary data in the form of literature studies and other documents. Furthermore, the authors analyze the data to obtain conclusions. While look up to this research is descriptive analytical. The results of the study show the efforts made by the bank in solving problem financing and the problems experienced by the bank in solving bad financing. There are several ways that are used by BPRS Hasanah Pekanbaru in solving problematic financing. BPRS Hasanah takes a persuasive approach as much as possible by contacting customers via telephone. If the customer does not respond to calls from the bank, the bank will send a notification of arrears and maturity. Furthermore, if the results are not effective enough, BPRS Hasanah uses third party service assistance to make billing. Furthermore the bank’s problems in solving bad financing are debtors who are difficult to contact, negligence of debtors who didn’t see the contents of agreement, debtors’ economic problems, and also debtors’ business failure