Strategi Penerapan Prinsip 8C+S dalam Meminimalisir Adverse Selection pada Pembiayaan Produktif Bank Syariah XYZ

Abstract

Bank Syariah XYZ adalah salah satu bank yang berfokus pada pembiayaan produktif untuk sektor usaha mikro dan komersial. Meskipun sudah menerapkan prinsip 5C (character, capacity, capital, collateral, condition) pada analisis pembiayaan produktif namun non performing financing (NPF) terus meningkat akibat adanya indikasi adverse selection. Penelitian ini bertujuan untuk merumuskan urutan prioritas strategi yang dapat dilakukan Bank Syariah XYZ dalam meminimalisir adverse selection pada pembiayaan produktif dengan menggunakan Analytical Network Process (ANP) dengan prinsip 8C+S yaitu character, capacity, capital, collateral, condition, constraint, cash flow, dan closeness. Hasil penelitian menunjukkan analisis prinsip 8C+S dapat menjadi strategi dalam meminimalisir adverse selection pada pembiayaan produktif Bank Syariah XYZ.

XYZ Sharia Bank is one of the financial institutions focused on providing productive financing for micro and commercial business sectors. Although the bank has already implemented the 5C principles (character, capacity, capital, collateral, condition) in its productive financing analysis, the non performing financing (NPF) continues to rise due to indications of adverse selection. This study aims to formulate a prioritized strategy that XYZ Sharia Bank can implement to minimize adverse selection in productive financing by applying the Analytical Network Process (ANP) with the 8C+S principles, which include character, capacity, capital, collateral, condition, constraint, cash flow, and closeness. The findings indicate that the 8C+S principles analysis can serve as an effective strategy to mitigate adverse selection in XYZ Sharia Bank's productive financing.