TINJAUAN HUKUM EKONOMI SYARIAH TERHADAP KREDIT MACET PADA NASABAH LEMBAGA PERMODALAN NASIONAL MADANI (PNM) MEKAAR DI DESA PATANI KABUPATEN TAKALAR

Abstract

This study aims to: 1) Identify the factors causing non-performing loans among clients of the PNM Mekaar institution in Patani Village, 2) Examine the perspective of Islamic economic law on the resolution of non-performing loans among clients of the PNM Mekaar institution in Patani Village. This research uses a qualitative descriptive method with an approach of Sharia law, sociological, and normative juridical. Data was obtained from primary sources through interviews, observation, and documentation, as well as secondary sources in the form of documents, theses, and related journals. The research results indicate that non-performing loans are caused by an insufficiently selective customer analysis, suboptimal assistance and supervision, misuse of funds, business failure, and customer irresponsibility. The resolution of problem loans has not yet aligned with the principles of Sharia economic law due to actions taken outside official procedures that contradict the values of fairness and consent, and are more focused on achieving deposit targets. The research implications include: 1) For PNM Mekaar, it is necessary to improve internal systems and provide leniency for customers experiencing difficulties. 2) For customers, it is expected that they use credit funds more wisely and understand their debt repayment obligations.