Implikasi Filsafat Ilmu dalam Optimalisasi penanganan kredit macet melalui akad murabahah di PT BSI KCP Cemara asri

This study examines the implications of the philosophy of science in optimizing the management of non-performing loans through murabahah contracts at PT BSI KCP Cemara Asri. It aims to analyze how the philosophy of science can deepen the understanding of non-performing loan phenomena, identify the causes from the philosophy of science perspective, and formulate effective management strategies. A qualitative method with a case study approach was employed, involving in-depth interviews and participatory observation. Findings suggest that a balanced qualitative and quantitative understanding and the strong application of Sharia principles can reduce the risk of non-performing loans. The practical and theoretical implications of this study are expected to contribute to the improvement of overall Islamic banking practices.