Optimalisasi Strategi Penyelesaian Pembiayaan Bermasalah pada PT. Permodalan Nasional Madani Syariah di Desa Jerukgulung Ngawi

Introduction: This study is motivated by the high rate of problematic financing among customers of PT Permodalan Nasional Madani (PNM) Syariah in Jerukgulung Village, Kendal District, Ngawi Regency. Despite the application of the 5C analysis and the principle of prudence, these measures have not guaranteed healthy financing. Research Methods: The research employs a qualitative descriptive approach aimed at understanding and describing the phenomena from the perspective of the subjects involved. Results: The strategies employed by PNM Mekaar to address problematic financing include: (1) customer approach, (2) installment collection, (3) implementation of a joint liability system, and (4) financing restructuring through reconditioning, rescheduling, and restructuring. Among these, the most frequently applied strategies are rescheduling and joint liability. Conclusion: The restructuring approach provides borrowers with the necessary flexibility to adjust their repayment schedules based on changing financial circumstances. The implementation of these strategies by PNM Mekaar over a one-year period has shown positive results in reducing the number of problematic financing cases.