Analisis dampak resesi ekonomi terhadap portofolio pembiayaan btn syariah
Abstract
This research has the objective of analyzing the impact of economic recession on the financing portfolio of Bank Tabungan Negara (BTN) Syariah using a qualitative approach based on literature review. The method used is content analysis of various scientific journals and recent reports related to the performance of BTN Syariah during the Covid-19 pandemic and the global economic recession period. The findings indicate that the economic recession has significantly impacted the increase in the non-performing financing (NPF) ratio, a decline in consumer purchasing power, and heightened credit risk in the consumer financing segment and Sharia Home Ownership Loans (KPR). However, BTN Syariah demonstrated relatively strong resilience through risk management strategies, financing restructuring, and the application of the 5C principles. Additionally, macroeconomic indicators such as inflation, benchmark interest rates, exchange rates, and the Jakarta Composite Index (IHSG) also influence financing performance. This study underscores the importance of adaptive strategies and the role of government regulation in maintaining the stability of Islamic banking amid global economic uncertainty.
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