Peran Teknologi dan Strategi 3R dalam Mitigasi Risiko Pembiayaan di BSI KC Palu Gajah Mada

Miftah Rizkiani; Fidya Pinkan Syehrani

doi:10.30640/cakrawala.v5i2.6491

Authors

Miftah Rizkiani Universitas Islam Negeri Datokarama Palu
Fidya Pinkan Syehrani Universitas Islam Negeri Datokarama Palu

DOI:

https://doi.org/10.30640/cakrawala.v5i2.6491

Keywords:

3R Strategy, Information Technology, Islamic Banking, Non-Performing Financing, Risk Management

Abstract

This study aims to evaluate the integration of information technology systems and the execution of 3R strategies (Rescheduling, Reconditioning, Restructuring) to mitigate the risks associated with delayed financing payments at Bank Syariah Indonesia (BSI) KC Palu Gajah Mada. Using a descriptive qualitative field research method, data were gathered through comprehensive interviews with management and collection staff, observations, and detailed documentation. The findings demonstrate that digital technology utilization—including real-time monitoring, early warning systems, and automated payment reminders—plays a critical, proactive role in early default detection. Concurrently, the implementation of 3R strategies provides an effective, compliant curative solution for clients encountering structural financial distress, ultimately reducing the bank's Non-Performing Financing (NPF) levels while upholding Sharia principles.

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