PERAN UNIT COLLECTION WORK OUT (CWO) DALAM PENDAMPINGAN NASABAH KPR IB BERMASALAH SEBAGAI UPAYA MITIGASI RISIKO KPR IB DI BANK BTN SYARIAH KCS MATARAM

Abstract

Abstract
iB Home Ownership Financing (KPR) is a key product of Islamic banking that helps improve people's welfare by providing livable homes. However, in practice, iB KPR financing still faces risks that can lead to an increase in the Non-Performing Financing (NPF) ratio. This article explains the role of the Collection Work Out (CWO) Unit in reducing the risks of iB mortgage financing at Bank BTN Syariah's Mataram Sharia Branch. The methods used include administrative assistance, monitoring of payment eligibility, persuasive collection, and support for the restructuring process. The results show that CWO is not only tasked with debt collection, but also plays a role in education, risk management, and maintaining the stability of the sharia financing portfolio. A humanistic and structured approach has succeeded in increasing customer awareness to pay on time and reducing the possibility of bad credit.