{\rtf1\adeflang1025\ansi\ansicpg1252\uc1\adeff31507\deff0\stshfdbch31506\stshfloch31506\stshfhich31506\stshfbi31507\deflang1033\deflangfe1041\themelang1057\themelangfe1041\themelangcs1025{\fonttbl{\f0\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\f1\fbidi \fswiss\fcharset0\fprq2{\*\panose 020b0604020202020204}Arial;}
{\f2\fbidi \fmodern\fcharset0\fprq1{\*\panose 02070309020205020404}Courier New;}{\f11\fbidi \fmodern\fcharset128\fprq1{\*\panose 02020609040205080304}MS Mincho{\*\falt \'82\'6c\'82\'72 \'96\'be\'92\'a9};}
{\f34\fbidi \froman\fcharset0\fprq2{\*\panose 00000000000000000000}Cambria Math;}{\f37\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0502020204030204}Calibri;}{\f39\fbidi \froman\fcharset0\fprq2{\*\panose 00000000000000000000}Cambria;}
{\f42\fbidi \fswiss\fcharset0\fprq2{\*\panose 00000000000000000000}Arial Narrow;}{\f44\fbidi \fswiss\fcharset0\fprq2{\*\panose 020b0604030504040204}Tahoma;}{\f46\fbidi \fmodern\fcharset128\fprq1{\*\panose 02020609040205080304}@MS Mincho;}
{\flomajor\f31500\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\fdbmajor\f31501\fbidi \fmodern\fcharset128\fprq1{\*\panose 020b0609070205080204}MS Gothic{\*\falt \'82\'6c\'82\'72 \'83\'53\'83\'56\'83\'62\'83\'4e};}
{\fhimajor\f31502\fbidi \froman\fcharset0\fprq2{\*\panose 00000000000000000000}Cambria;}{\fbimajor\f31503\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}
{\flominor\f31504\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\fdbminor\f31505\fbidi \fmodern\fcharset128\fprq1{\*\panose 02020609040205080304}MS Mincho{\*\falt \'82\'6c\'82\'72 \'96\'be\'92\'a9};}
{\fhiminor\f31506\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0502020204030204}Calibri;}{\fbiminor\f31507\fbidi \fswiss\fcharset0\fprq2{\*\panose 020b0604020202020204}Arial;}{\f48\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}
{\f49\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\f51\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\f52\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\f53\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}
{\f54\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\f55\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\f56\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\f58\fbidi \fswiss\fcharset238\fprq2 Arial CE;}
{\f59\fbidi \fswiss\fcharset204\fprq2 Arial Cyr;}{\f61\fbidi \fswiss\fcharset161\fprq2 Arial Greek;}{\f62\fbidi \fswiss\fcharset162\fprq2 Arial Tur;}{\f63\fbidi \fswiss\fcharset177\fprq2 Arial (Hebrew);}
{\f64\fbidi \fswiss\fcharset178\fprq2 Arial (Arabic);}{\f65\fbidi \fswiss\fcharset186\fprq2 Arial Baltic;}{\f66\fbidi \fswiss\fcharset163\fprq2 Arial (Vietnamese);}{\f68\fbidi \fmodern\fcharset238\fprq1 Courier New CE;}
{\f69\fbidi \fmodern\fcharset204\fprq1 Courier New Cyr;}{\f71\fbidi \fmodern\fcharset161\fprq1 Courier New Greek;}{\f72\fbidi \fmodern\fcharset162\fprq1 Courier New Tur;}{\f73\fbidi \fmodern\fcharset177\fprq1 Courier New (Hebrew);}
{\f74\fbidi \fmodern\fcharset178\fprq1 Courier New (Arabic);}{\f75\fbidi \fmodern\fcharset186\fprq1 Courier New Baltic;}{\f76\fbidi \fmodern\fcharset163\fprq1 Courier New (Vietnamese);}
{\f160\fbidi \fmodern\fcharset0\fprq1 MS Mincho Western{\*\falt \'82\'6c\'82\'72 \'96\'be\'92\'a9};}{\f158\fbidi \fmodern\fcharset238\fprq1 MS Mincho CE{\*\falt \'82\'6c\'82\'72 \'96\'be\'92\'a9};}
{\f159\fbidi \fmodern\fcharset204\fprq1 MS Mincho Cyr{\*\falt \'82\'6c\'82\'72 \'96\'be\'92\'a9};}{\f161\fbidi \fmodern\fcharset161\fprq1 MS Mincho Greek{\*\falt \'82\'6c\'82\'72 \'96\'be\'92\'a9};}
{\f162\fbidi \fmodern\fcharset162\fprq1 MS Mincho Tur{\*\falt \'82\'6c\'82\'72 \'96\'be\'92\'a9};}{\f165\fbidi \fmodern\fcharset186\fprq1 MS Mincho Baltic{\*\falt \'82\'6c\'82\'72 \'96\'be\'92\'a9};}{\f388\fbidi \froman\fcharset238\fprq2 Cambria Math CE;}
{\f389\fbidi \froman\fcharset204\fprq2 Cambria Math Cyr;}{\f391\fbidi \froman\fcharset161\fprq2 Cambria Math Greek;}{\f392\fbidi \froman\fcharset162\fprq2 Cambria Math Tur;}{\f395\fbidi \froman\fcharset186\fprq2 Cambria Math Baltic;}
{\f396\fbidi \froman\fcharset163\fprq2 Cambria Math (Vietnamese);}{\f418\fbidi \fswiss\fcharset238\fprq2 Calibri CE;}{\f419\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr;}{\f421\fbidi \fswiss\fcharset161\fprq2 Calibri Greek;}
{\f422\fbidi \fswiss\fcharset162\fprq2 Calibri Tur;}{\f425\fbidi \fswiss\fcharset186\fprq2 Calibri Baltic;}{\f426\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese);}{\f438\fbidi \froman\fcharset238\fprq2 Cambria CE;}
{\f439\fbidi \froman\fcharset204\fprq2 Cambria Cyr;}{\f441\fbidi \froman\fcharset161\fprq2 Cambria Greek;}{\f442\fbidi \froman\fcharset162\fprq2 Cambria Tur;}{\f445\fbidi \froman\fcharset186\fprq2 Cambria Baltic;}
{\f446\fbidi \froman\fcharset163\fprq2 Cambria (Vietnamese);}{\f468\fbidi \fswiss\fcharset238\fprq2 Arial Narrow CE;}{\f469\fbidi \fswiss\fcharset204\fprq2 Arial Narrow Cyr;}{\f471\fbidi \fswiss\fcharset161\fprq2 Arial Narrow Greek;}
{\f472\fbidi \fswiss\fcharset162\fprq2 Arial Narrow Tur;}{\f475\fbidi \fswiss\fcharset186\fprq2 Arial Narrow Baltic;}{\f488\fbidi \fswiss\fcharset238\fprq2 Tahoma CE;}{\f489\fbidi \fswiss\fcharset204\fprq2 Tahoma Cyr;}
{\f491\fbidi \fswiss\fcharset161\fprq2 Tahoma Greek;}{\f492\fbidi \fswiss\fcharset162\fprq2 Tahoma Tur;}{\f493\fbidi \fswiss\fcharset177\fprq2 Tahoma (Hebrew);}{\f494\fbidi \fswiss\fcharset178\fprq2 Tahoma (Arabic);}
{\f495\fbidi \fswiss\fcharset186\fprq2 Tahoma Baltic;}{\f496\fbidi \fswiss\fcharset163\fprq2 Tahoma (Vietnamese);}{\f497\fbidi \fswiss\fcharset222\fprq2 Tahoma (Thai);}{\f510\fbidi \fmodern\fcharset0\fprq1 @MS Mincho Western;}
{\f508\fbidi \fmodern\fcharset238\fprq1 @MS Mincho CE;}{\f509\fbidi \fmodern\fcharset204\fprq1 @MS Mincho Cyr;}{\f511\fbidi \fmodern\fcharset161\fprq1 @MS Mincho Greek;}{\f512\fbidi \fmodern\fcharset162\fprq1 @MS Mincho Tur;}
{\f515\fbidi \fmodern\fcharset186\fprq1 @MS Mincho Baltic;}{\flomajor\f31508\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\flomajor\f31509\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}
{\flomajor\f31511\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\flomajor\f31512\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\flomajor\f31513\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}
{\flomajor\f31514\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\flomajor\f31515\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\flomajor\f31516\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}
{\fdbmajor\f31520\fbidi \fmodern\fcharset0\fprq1 MS Gothic Western{\*\falt \'82\'6c\'82\'72 \'83\'53\'83\'56\'83\'62\'83\'4e};}{\fdbmajor\f31518\fbidi \fmodern\fcharset238\fprq1 MS Gothic CE{\*\falt \'82\'6c\'82\'72 \'83\'53\'83\'56\'83\'62\'83\'4e};}
{\fdbmajor\f31519\fbidi \fmodern\fcharset204\fprq1 MS Gothic Cyr{\*\falt \'82\'6c\'82\'72 \'83\'53\'83\'56\'83\'62\'83\'4e};}{\fdbmajor\f31521\fbidi \fmodern\fcharset161\fprq1 MS Gothic Greek{\*\falt \'82\'6c\'82\'72 \'83\'53\'83\'56\'83\'62\'83\'4e};}
{\fdbmajor\f31522\fbidi \fmodern\fcharset162\fprq1 MS Gothic Tur{\*\falt \'82\'6c\'82\'72 \'83\'53\'83\'56\'83\'62\'83\'4e};}{\fdbmajor\f31525\fbidi \fmodern\fcharset186\fprq1 MS Gothic Baltic{\*\falt \'82\'6c\'82\'72 \'83\'53\'83\'56\'83\'62\'83\'4e};}
{\fhimajor\f31528\fbidi \froman\fcharset238\fprq2 Cambria CE;}{\fhimajor\f31529\fbidi \froman\fcharset204\fprq2 Cambria Cyr;}{\fhimajor\f31531\fbidi \froman\fcharset161\fprq2 Cambria Greek;}{\fhimajor\f31532\fbidi \froman\fcharset162\fprq2 Cambria Tur;}
{\fhimajor\f31535\fbidi \froman\fcharset186\fprq2 Cambria Baltic;}{\fhimajor\f31536\fbidi \froman\fcharset163\fprq2 Cambria (Vietnamese);}{\fbimajor\f31538\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}
{\fbimajor\f31539\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\fbimajor\f31541\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\fbimajor\f31542\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}
{\fbimajor\f31543\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\fbimajor\f31544\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\fbimajor\f31545\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}
{\fbimajor\f31546\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\flominor\f31548\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\flominor\f31549\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}
{\flominor\f31551\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\flominor\f31552\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\flominor\f31553\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}
{\flominor\f31554\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\flominor\f31555\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\flominor\f31556\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}
{\fdbminor\f31560\fbidi \fmodern\fcharset0\fprq1 MS Mincho Western{\*\falt \'82\'6c\'82\'72 \'96\'be\'92\'a9};}{\fdbminor\f31558\fbidi \fmodern\fcharset238\fprq1 MS Mincho CE{\*\falt \'82\'6c\'82\'72 \'96\'be\'92\'a9};}
{\fdbminor\f31559\fbidi \fmodern\fcharset204\fprq1 MS Mincho Cyr{\*\falt \'82\'6c\'82\'72 \'96\'be\'92\'a9};}{\fdbminor\f31561\fbidi \fmodern\fcharset161\fprq1 MS Mincho Greek{\*\falt \'82\'6c\'82\'72 \'96\'be\'92\'a9};}
{\fdbminor\f31562\fbidi \fmodern\fcharset162\fprq1 MS Mincho Tur{\*\falt \'82\'6c\'82\'72 \'96\'be\'92\'a9};}{\fdbminor\f31565\fbidi \fmodern\fcharset186\fprq1 MS Mincho Baltic{\*\falt \'82\'6c\'82\'72 \'96\'be\'92\'a9};}
{\fhiminor\f31568\fbidi \fswiss\fcharset238\fprq2 Calibri CE;}{\fhiminor\f31569\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr;}{\fhiminor\f31571\fbidi \fswiss\fcharset161\fprq2 Calibri Greek;}{\fhiminor\f31572\fbidi \fswiss\fcharset162\fprq2 Calibri Tur;}
{\fhiminor\f31575\fbidi \fswiss\fcharset186\fprq2 Calibri Baltic;}{\fhiminor\f31576\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese);}{\fbiminor\f31578\fbidi \fswiss\fcharset238\fprq2 Arial CE;}
{\fbiminor\f31579\fbidi \fswiss\fcharset204\fprq2 Arial Cyr;}{\fbiminor\f31581\fbidi \fswiss\fcharset161\fprq2 Arial Greek;}{\fbiminor\f31582\fbidi \fswiss\fcharset162\fprq2 Arial Tur;}{\fbiminor\f31583\fbidi \fswiss\fcharset177\fprq2 Arial (Hebrew);}
{\fbiminor\f31584\fbidi \fswiss\fcharset178\fprq2 Arial (Arabic);}{\fbiminor\f31585\fbidi \fswiss\fcharset186\fprq2 Arial Baltic;}{\fbiminor\f31586\fbidi \fswiss\fcharset163\fprq2 Arial (Vietnamese);}}{\colortbl;\red0\green0\blue0;\red0\green0\blue255;
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\red128\green128\blue0;\red128\green128\blue128;\red192\green192\blue192;\chyperlink\ctint255\cshade255\red0\green0\blue255;\red96\green94\blue92;\red225\green223\blue221;}{\*\defchp \f31506\fs22\lang1057\langfe1033\langnp1057\langfenp1033 }{\*\defpap 
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\sbasedon0 \snext0 \slink30 \ssemihidden \sunhideused \sqformat \spriority9 \styrsid13791530 heading 9;}{\*\cs10 \additive \ssemihidden \sunhideused \spriority1 Default Paragraph Font;}{\*
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\trftsWidthB3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblind0\tblindtype3\tsvertalt\tsbrdrt\tsbrdrl\tsbrdrb\tsbrdrr\tsbrdrdgl\tsbrdrdgr\tsbrdrh\tsbrdrv 
\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1057\langfe1033\cgrid\langnp1057\langfenp1033 \sbasedon11 \snext21 \spriority39 \styrsid1660714 
Table Grid;}{\*\cs22 \additive \rtlch\fcs1 \ab\af31503\afs32 \ltrch\fcs0 \b\fs32\lang1033\langfe0\kerning32\loch\f31502\hich\af31502\dbch\af31501\langnp1033 \sbasedon10 \slink1 \slocked \spriority9 \styrsid13791530 Heading 1 Char;}{\*\cs23 \additive 
\rtlch\fcs1 \ab\ai\af31503\afs28 \ltrch\fcs0 \b\i\fs28\lang1033\langfe0\loch\f31502\hich\af31502\dbch\af31501\langnp1033 \sbasedon10 \slink2 \slocked \ssemihidden \spriority9 \styrsid13791530 Heading 2 Char;}{\*\cs24 \additive \rtlch\fcs1 
\ab\af31503\afs26 \ltrch\fcs0 \b\fs26\lang1033\langfe0\loch\f31502\hich\af31502\dbch\af31501\langnp1033 \sbasedon10 \slink3 \slocked \spriority9 \styrsid13791530 Heading 3 Char;}{\*\cs25 \additive \rtlch\fcs1 \ab\af0\afs28 \ltrch\fcs0 
\b\fs28\lang1033\langfe0\dbch\af31505\langnp1033 \sbasedon10 \slink4 \slocked \ssemihidden \spriority9 \styrsid13791530 Heading 4 Char;}{\*\cs26 \additive \rtlch\fcs1 \ab\ai\af0\afs26 \ltrch\fcs0 \b\i\fs26\lang1033\langfe0\dbch\af31505\langnp1033 
\sbasedon10 \slink5 \slocked \spriority9 \styrsid13791530 Heading 5 Char;}{\*\cs27 \additive \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\f0\lang1033\langfe0\langnp1033 \sbasedon10 \slink6 \slocked \spriority0 \styrsid13791530 Heading 6 Char;}{\*\cs28 \additive 
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\lang1033\langfe0\dbch\af31505\langnp1033 \sbasedon10 \slink7 \slocked \ssemihidden \spriority9 \styrsid13791530 Heading 7 Char;}{\*\cs29 \additive \rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 
\i\fs24\lang1033\langfe0\dbch\af31505\langnp1033 \sbasedon10 \slink8 \slocked \ssemihidden \spriority9 \styrsid13791530 Heading 8 Char;}{\*\cs30 \additive \rtlch\fcs1 \af31503 \ltrch\fcs0 \lang1033\langfe0\loch\f31502\hich\af31502\dbch\af31501\langnp1033 
\sbasedon10 \slink9 \slocked \ssemihidden \spriority9 \styrsid13791530 Heading 9 Char;}{\s31\ql \li0\ri0\widctlpar\tqc\tx4153\tqr\tx8306\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\f31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 \sbasedon0 \snext31 \slink32 \sunhideused \styrsid13791530 header;}{\*\cs32 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 
\sbasedon10 \slink31 \slocked \styrsid13791530 Header Char;}{\s33\ql \li0\ri0\widctlpar\tqc\tx4153\tqr\tx8306\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\f31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 \sbasedon0 \snext33 \slink34 \sunhideused \styrsid13791530 footer;}{\*\cs34 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 
\sbasedon10 \slink33 \slocked \styrsid13791530 Footer Char;}{\s35\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af44\afs16\alang1025 \ltrch\fcs0 
\fs16\lang1033\langfe1033\loch\f44\hich\af44\dbch\af31505\cgrid\langnp1033\langfenp1033 \sbasedon0 \snext35 \slink36 \ssemihidden \sunhideused \styrsid13791530 Balloon Text;}{\*\cs36 \additive \rtlch\fcs1 \af44\afs16 \ltrch\fcs0 \f44\fs16 
\sbasedon10 \slink35 \slocked \ssemihidden \styrsid13791530 Balloon Text Char;}{\s37\ql \li0\ri0\widctlpar
\tx916\tx1832\tx2748\tx3664\tx4580\tx5496\tx6412\tx7328\tx8244\tx9160\tx10076\tx10992\tx11908\tx12824\tx13740\tx14656\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af2\afs20\alang1025 \ltrch\fcs0 
\f2\fs20\lang1033\langfe1057\cgrid\langnp1033\langfenp1057 \sbasedon0 \snext37 \slink38 \sunhideused \styrsid13791530 HTML Preformatted;}{\*\cs38 \additive \rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\lang0\langfe1057\langfenp1057 
\sbasedon10 \slink37 \slocked \styrsid13791530 HTML Preformatted Char;}{\s39\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\f37\hich\af37\dbch\af37\cgrid\langnp1033\langfenp1033 \snext39 \sqformat \spriority1 \styrsid13791530 No Spacing;}{\*\cs40 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \ul\cf17 \sbasedon10 \sunhideused \styrsid13791530 Hyperlink;}
{\*\ts41\tsrowd\trbrdrt\brdrs\brdrw10\brdrcf1 \trbrdrl\brdrs\brdrw10\brdrcf1 \trbrdrb\brdrs\brdrw10\brdrcf1 \trbrdrr\brdrs\brdrw10\brdrcf1 \trbrdrh\brdrs\brdrw10\brdrcf1 \trbrdrv\brdrs\brdrw10\brdrcf1 
\trftsWidthB3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblind0\tblindtype3\tsvertalt\tsbrdrt\tsbrdrl\tsbrdrb\tsbrdrr\tsbrdrdgl\tsbrdrdgr\tsbrdrh\tsbrdrv 
\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \sbasedon11 \snext21 \spriority59 \styrsid13896115 
Table Grid1;}{\*\ts42\tsrowd\trbrdrt\brdrs\brdrw10\brdrcf1 \trbrdrl\brdrs\brdrw10\brdrcf1 \trbrdrb\brdrs\brdrw10\brdrcf1 \trbrdrr\brdrs\brdrw10\brdrcf1 \trbrdrh\brdrs\brdrw10\brdrcf1 \trbrdrv\brdrs\brdrw10\brdrcf1 
\trftsWidthB3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblind0\tblindtype3\tsvertalt\tsbrdrt\tsbrdrl\tsbrdrb\tsbrdrr\tsbrdrdgl\tsbrdrdgr\tsbrdrh\tsbrdrv 
\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \sbasedon11 \snext21 \spriority59 \styrsid13896115 
Table Grid2;}{\*\ts43\tsrowd\trbrdrt\brdrs\brdrw10\brdrcf1 \trbrdrl\brdrs\brdrw10\brdrcf1 \trbrdrb\brdrs\brdrw10\brdrcf1 \trbrdrr\brdrs\brdrw10\brdrcf1 \trbrdrh\brdrs\brdrw10\brdrcf1 \trbrdrv\brdrs\brdrw10\brdrcf1 
\trftsWidthB3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblind0\tblindtype3\tsvertalt\tsbrdrt\tsbrdrl\tsbrdrb\tsbrdrr\tsbrdrdgl\tsbrdrdgr\tsbrdrh\tsbrdrv 
\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \sbasedon11 \snext21 \spriority59 \styrsid13896115 
Table Grid3;}{\s44\ql \li0\ri0\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\cf1\lang1033\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 \snext44 \spriority0 \styrsid9789825 
Default;}{\*\cs45 \additive \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b \sbasedon10 \sqformat \spriority22 \styrsid9789825 Strong;}{\*\cs46 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \sbasedon10 \spriority0 \styrsid8938199 remarkable-pre-marked;}{\*\cs47 \additive 
\super \spriority0 \styrsid8938199 Footnote Characters;}{\*\cs48 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \sbasedon10 \spriority0 \styrsid8938199 hps;}{\*\cs49 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \sbasedon10 \spriority0 \styrsid8938199 atn;}{\*\cs50 
\additive \rtlch\fcs1 \af0 \ltrch\fcs0 \sbasedon10 \spriority0 \styrsid8938199 mw-headline;}{\*\cs51 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \sbasedon10 \spriority0 \styrsid8938199 apple-converted-space;}{\*\cs52 \additive \i 
\sqformat \spriority20 \styrsid8938199 Emphasis;}{\*\cs53 \additive \b\i0\f39\fs36\cf1 \spriority0 \styrsid8938199 fontstyle01;}{\*\cs54 \additive \spriority0 \styrsid8938199 y2iqfc;}{\*\cs55 \additive \ssemihidden \sunhideused \styrsid8938199 
line number;}{\*\cs56 \additive \spriority0 \styrsid8938199 markedcontent;}{\s57\ql \li0\ri0\sb100\sa100\sbauto1\saauto1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang14345\langfe14345\cgrid\langnp14345\langfenp14345 \sbasedon0 \snext57 \sunhideused \styrsid9118874 Normal (Web);}{\*\cs58 \additive \rtlch\fcs1 \af0\afs16 \ltrch\fcs0 \fs16 \sbasedon10 \ssemihidden \sunhideused \styrsid4802412 
annotation reference;}{\s59\ql \li0\ri0\sa200\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af37\afs20\alang1025 \ltrch\fcs0 \fs20\lang1033\langfe1041\loch\f37\hich\af37\dbch\af37\cgrid\langnp1033\langfenp1041 
\sbasedon0 \snext59 \slink60 \ssemihidden \sunhideused \styrsid1781194 annotation text;}{\*\cs60 \additive \rtlch\fcs1 \af37\afs20 \ltrch\fcs0 \fs20\lang1033\langfe1041\loch\f37\hich\af37\dbch\af37\langnp1033\langfenp1041 
\sbasedon10 \slink59 \slocked \ssemihidden \styrsid1781194 Comment Text Char;}{\*\cs61 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \cf18\chshdng0\chcfpat0\chcbpat19 \sbasedon10 \ssemihidden \sunhideused \styrsid12783559 Unresolved Mention;}{\*\cs62 \additive 
\rtlch\fcs1 \af0 \ltrch\fcs0 \cf15 \sbasedon10 \ssemihidden \styrsid142365 Placeholder Text;}}{\*\listtable{\list\listtemplateid1294654254\listhybrid{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0
{\leveltext\leveltemplateid67698713\'02\'00.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-360\li720\lin720 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698713\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li1440\lin1440 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698715\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li2160\lin2160 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698703\'02\'03.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li2880\lin2880 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698713\'02\'04.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li3600\lin3600 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698715\'02\'05.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li4320\lin4320 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698703\'02\'06.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li5040\lin5040 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698713\'02\'07.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li5760\lin5760 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698715\'02\'08.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li6480\lin6480 }{\listname ;}\listid46345023}{\list\listtemplateid546968640\listhybrid{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0
\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid69271577\'02\'00.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-360\li720\lin720 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative
\levelspace0\levelindent0{\leveltext\leveltemplateid69271577\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li1440\lin1440 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\levelspace0\levelindent0
{\leveltext\leveltemplateid69271579\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li2160\lin2160 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid69271567\'02\'03.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li2880\lin2880 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid69271577\'02\'04.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li3600\lin3600 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid69271579\'02\'05.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li4320\lin4320 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid69271567\'02\'06.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li5040\lin5040 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid69271577\'02\'07.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li5760\lin5760 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid69271579\'02\'08.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li6480\lin6480 }{\listname ;}\listid65496055}{\list\listtemplateid18523184\listhybrid{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1
\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'00.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-360\li720\lin720 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0
\levelindent0{\leveltext\leveltemplateid67698713\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li1440\lin1440 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0
{\leveltext\leveltemplateid67698715\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li2160\lin2160 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698703\'02\'03.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li2880\lin2880 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698713\'02\'04.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li3600\lin3600 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698715\'02\'05.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li4320\lin4320 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698703\'02\'06.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li5040\lin5040 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
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\leveltemplateid67698715\'02\'08.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li6480\lin6480 }{\listname ;}\listid109976376}{\list\listtemplateid-1830809864\listhybrid{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0
\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid67698703\'02\'00.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li1428\lin1428 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0
\levelindent0{\leveltext\leveltemplateid69271577\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li2148\lin2148 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext
\leveltemplateid69271579\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li2868\lin2868 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid69271567
\'02\'03.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li3588\lin3588 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid69271577\'02\'04.;}{\levelnumbers\'01;}
\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li4308\lin4308 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid69271579\'02\'05.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fi-180\li5028\lin5028 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid69271567\'02\'06.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li5748\lin5748 }
{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid69271577\'02\'07.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li6468\lin6468 }{\listlevel\levelnfc2\levelnfcn2
\leveljc2\leveljcn2\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid69271579\'02\'08.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li7188\lin7188 }{\listname ;}\listid189032186}{\list\listtemplateid822636800
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{\field{\*\fldinst {\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \cs40\i\f42\fs16\insrsid135727 \hich\af42\dbch\af31505\loch\f42  HYPERLINK "http://doi.org/10.22373/jose.v4i2.3311" }}{\fldrslt {\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 
\cs40\i\f42\fs16\insrsid1461333\charrsid9437933 \hich\af42\dbch\af31505\loch\f42 http://doi.org/10.22373/jose.v4i}{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \cs40\i\f42\fs16\lang1057\langfe1033\langnp1057\insrsid1461333\charrsid9437933 
\hich\af42\dbch\af31505\loch\f42 2}{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \cs40\i\f42\fs16\insrsid1461333\charrsid9437933 .}{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \cs40\i\f42\fs16\lang1057\langfe1033\langnp1057\insrsid1461333\charrsid9437933 
\hich\af42\dbch\af31505\loch\f42 3311}}}\sectd \ltrsect\pgnrestart\pgnstarts179\linex0\headery709\footery709\colsx708\endnhere\titlepg\sectlinegrid360\sectdefaultcl\sectrsid14042499\sftnbj {\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 
\i\f42\fs16\insrsid1461333\charrsid9437933 \hich\af42\dbch\af31505\loch\f42  }{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\lang1057\langfe1033\langnp1057\insrsid2129614\charrsid9437933 \hich\af42\dbch\af31505\loch\f42   }{\rtlch\fcs1 
\ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\insrsid2129614\charrsid9437933 
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid803729 {\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\insrsid2129614\charrsid9437933 \hich\af42\dbch\af31505\loch\f42 Received:}{
\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\lang1057\langfe1033\langnp1057\insrsid803729\charrsid9437933 \hich\af42\dbch\af31505\loch\f42  1}{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 
\i\f42\fs16\lang1057\langfe1033\langnp1057\insrsid2129614\charrsid9437933 \hich\af42\dbch\af31505\loch\f42  }{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\insrsid803729\charrsid9437933 \hich\af42\dbch\af31505\loch\f42 September}{\rtlch\fcs1 
\ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\lang1057\langfe1033\langnp1057\insrsid2129614\charrsid9437933 \hich\af42\dbch\af31505\loch\f42  2023}{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\insrsid2129614\charrsid9437933 
\hich\af42\dbch\af31505\loch\f42 , Revision:}{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\lang1057\langfe1033\langnp1057\insrsid803729\charrsid9437933 \hich\af42\dbch\af31505\loch\f42  }{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 
\i\f42\fs16\insrsid803729\charrsid9437933 \hich\af42\dbch\af31505\loch\f42 7}{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\lang1057\langfe1033\langnp1057\insrsid2129614\charrsid9437933 \hich\af42\dbch\af31505\loch\f42  }{\rtlch\fcs1 
\ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\insrsid803729\charrsid9437933 \hich\af42\dbch\af31505\loch\f42 September}{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\lang1057\langfe1033\langnp1057\insrsid2129614\charrsid9437933 
\hich\af42\dbch\af31505\loch\f42  2023}{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\insrsid2129614\charrsid9437933 \hich\af42\dbch\af31505\loch\f42 , Accepted:}{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 
\i\f42\fs16\lang1057\langfe1033\langnp1057\insrsid803729\charrsid9437933 \hich\af42\dbch\af31505\loch\f42  1}{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\insrsid803729\charrsid9437933 \hich\af42\dbch\af31505\loch\f42 2}{\rtlch\fcs1 
\ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\lang1057\langfe1033\langnp1057\insrsid2129614\charrsid9437933 \hich\af42\dbch\af31505\loch\f42  }{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\insrsid803729\charrsid9437933 
\hich\af42\dbch\af31505\loch\f42 September}{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\lang1057\langfe1033\langnp1057\insrsid2129614\charrsid9437933 \hich\af42\dbch\af31505\loch\f42  2023.
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid2129614 {\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\lang1057\langfe1033\langnp1057\insrsid2129614\charrsid9437933 
\hich\af42\dbch\af31505\loch\f42 E-}{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\insrsid2129614\charrsid9437933 \hich\af42\dbch\af31505\loch\f42 ISSN:}{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 
\i\f42\fs16\lang1057\langfe1033\langnp1057\insrsid2129614\charrsid9437933 \hich\af42\dbch\af31505\loch\f42  2774-3543}{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\insrsid2129614\charrsid9437933 \hich\af42\dbch\af31505\loch\f42 ; }{\rtlch\fcs1 
\ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\lang1057\langfe1033\langnp1057\insrsid2129614\charrsid9437933 \hich\af42\dbch\af31505\loch\f42 P-}{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\insrsid2129614\charrsid9437933 
\hich\af42\dbch\af31505\loch\f42 ISSN:}{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\lang1057\langfe1033\langnp1057\insrsid2129614\charrsid9437933 \hich\af42\dbch\af31505\loch\f42  2774-3551,
\par }\pard \ltrpar\ql \li0\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid2129614 {\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\insrsid2129614\charrsid9437933 \hich\af42\dbch\af31505\loch\f42 
Copyright @2023. Published by Program Studi E}{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\lang1057\langfe1033\langnp1057\insrsid2129614\charrsid9437933 \hich\af42\dbch\af31505\loch\f42 k}{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 
\i\f42\fs16\insrsid2129614\charrsid9437933 \hich\af42\dbch\af31505\loch\f42 onomi }{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\lang1057\langfe1033\langnp1057\insrsid2129614\charrsid9437933 \hich\af42\dbch\af31505\loch\f42 
Syariah Pascasarjana UIN Ar-Raniry}{\rtlch\fcs1 \af31507 \ltrch\fcs0 \insrsid8093527\charrsid8093527 \hich\af31506\dbch\af31505\loch\f31506  }{\rtlch\fcs1 \af31507 \ltrch\fcs0 \insrsid14682209 
\par }{\rtlch\fcs1 \af31507 \ltrch\fcs0 \insrsid2129614\charrsid8093527 
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11435098 {\rtlch\fcs1 \af37\afs28 \ltrch\fcs0 \b\f31502\fs28\insrsid11435098\charrsid11435098 \hich\af31502\dbch\af31505\loch\f31502 
EVALUATING NPF OF MURABAHA SETTLEMENT STRATEGY: }{\rtlch\fcs1 \af37\afs28 \ltrch\fcs0 \b\f31502\fs28\insrsid9437933 
\par }{\rtlch\fcs1 \af37\afs28 \ltrch\fcs0 \b\f31502\fs28\insrsid11435098\charrsid11435098 \hich\af31502\dbch\af31505\loch\f31502 RISK MANAGEMENT AND DSN}{\rtlch\fcs1 \af37\afs28 \ltrch\fcs0 \b\f31502\fs28\insrsid5199899 -}{\rtlch\fcs1 \af37\afs28 \ltrch\fcs0 
\b\f31502\fs28\insrsid11435098\charrsid11435098 \hich\af31502\dbch\af31505\loch\f31502 MUI FATWA}{\rtlch\fcs1 \af37\afs28 \ltrch\fcs0 \b\f31502\fs28\insrsid9437933\charrsid9437933 \hich\af31502\dbch\af31505\loch\f31502  }{\rtlch\fcs1 \af37\afs28 
\ltrch\fcs0 \b\f31502\fs28\insrsid9437933\charrsid11435098 \hich\af31502\dbch\af31505\loch\f31502 PERSPECTIVE}{\rtlch\fcs1 \af37\afs28 \ltrch\fcs0 \b\f31502\fs28\insrsid11936103\charrsid5645476 
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11936103 {\rtlch\fcs1 \af31507\afs20 \ltrch\fcs0 \b\fs20\insrsid11936103\charrsid5645476 
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12783559 {\rtlch\fcs1 \ab\af37\afs20 \ltrch\fcs0 \b\f37\fs20\insrsid12783559\charrsid13204296 \hich\af37\dbch\af31505\loch\f37 Said Rafli Ridha}{
\rtlch\fcs1 \ab\af37\afs20 \ltrch\fcs0 \b\f37\fs20\super\insrsid12783559 \hich\af37\dbch\af31505\loch\f37 1}{\rtlch\fcs1 \af37\afs20 \ltrch\fcs0 \f37\fs20\super\insrsid12783559\charrsid3488665 
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid3488665 {\rtlch\fcs1 \af37\afs20 \ltrch\fcs0 \f37\fs20\lang1057\langfe1033\langnp1057\insrsid3488665\charrsid3488665 {\*\bkmkstart _Hlk146969043}
\hich\af37\dbch\af31505\loch\f37 State Islamic University }{\rtlch\fcs1 \af37\afs20 \ltrch\fcs0 \f37\fs20\insrsid12783559 {\*\bkmkstart _Hlk150289413}\hich\af37\dbch\af31505\loch\f37 Ar-Raniry}{\rtlch\fcs1 \af37\afs20 \ltrch\fcs0 
\f37\fs20\insrsid3488665\charrsid3488665 {\*\bkmkend _Hlk150289413}\hich\af37\dbch\af31505\loch\f37 , Indonesia}{\rtlch\fcs1 \af37\afs20 \ltrch\fcs0 \f37\fs20\insrsid3488665 {\*\bkmkend _Hlk146969043}
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12783559 {\rtlch\fcs1 \ab\af37\afs20 \ltrch\fcs0 \b\f37\fs20\insrsid12783559\charrsid13204296 \hich\af37\dbch\af31505\loch\f37 Fithriady}{
\rtlch\fcs1 \ab\af37\afs20 \ltrch\fcs0 \b\f37\fs20\super\insrsid12783559 \hich\af37\dbch\af31505\loch\f37 2}{\rtlch\fcs1 \ab\af37\afs20 \ltrch\fcs0 \b\f37\fs20\insrsid12783559\charrsid5645476 
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid3488665 {\rtlch\fcs1 \af37\afs20 \ltrch\fcs0 \f37\fs20\lang1057\langfe1033\langnp1057\insrsid3488665\charrsid3488665 
\hich\af37\dbch\af31505\loch\f37 State Islamic University }{\rtlch\fcs1 \af37\afs20 \ltrch\fcs0 \f37\fs20\insrsid12783559 \hich\af37\dbch\af31505\loch\f37 Ar-Raniry}{\rtlch\fcs1 \af37\afs20 \ltrch\fcs0 \f37\fs20\insrsid3488665\charrsid3488665 
\hich\af37\dbch\af31505\loch\f37 , Indonesia}{\rtlch\fcs1 \af37\afs20 \ltrch\fcs0 \f37\fs20\lang1057\langfe1033\super\langnp1057\insrsid3488665\charrsid3488665 \hich\af37\dbch\af31505\loch\f37  }{\rtlch\fcs1 \af37\afs20 \ltrch\fcs0 
\f37\fs20\lang1057\langfe1033\super\langnp1057\insrsid3488665 
\par }{\rtlch\fcs1 \ab\af37\afs20 \ltrch\fcs0 \b\f37\fs20\insrsid12783559\charrsid13204296 \hich\af37\dbch\af31505\loch\f37 Rika Mulia}{\rtlch\fcs1 \ab\af37\afs20 \ltrch\fcs0 \b\f37\fs20\super\insrsid12783559 \hich\af37\dbch\af31505\loch\f37 3}{\rtlch\fcs1 
\af37\afs20 \ltrch\fcs0 \f37\fs20\lang1057\langfe1033\super\langnp1057\insrsid13204296\charrsid3488665 
\par }{\rtlch\fcs1 \af37\afs20 \ltrch\fcs0 \f37\fs20\lang1057\langfe1033\langnp1057\insrsid3488665\charrsid3488665 \hich\af37\dbch\af31505\loch\f37 State Islamic University }{\rtlch\fcs1 \af37\afs20 \ltrch\fcs0 \f37\fs20\insrsid12783559 
\hich\af37\dbch\af31505\loch\f37 Ar-Raniry}{\rtlch\fcs1 \af37\afs20 \ltrch\fcs0 \f37\fs20\insrsid3488665\charrsid3488665 \hich\af37\dbch\af31505\loch\f37 , Indonesia}{\rtlch\fcs1 \af37\afs20 \ltrch\fcs0 \f37\fs20\insrsid8938199 
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5645476 {\rtlch\fcs1 \af37\afs20 \ltrch\fcs0 \f37\fs20\insrsid5645476\charrsid5645476 
\par }\pard \ltrpar\qc \li288\ri230\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin230\lin288\itap0\pararsid2060784 {\rtlch\fcs1 \af37\afs16 \ltrch\fcs0 \f37\fs16\insrsid11936103\charrsid2060784 
\hich\af37\dbch\af31505\loch\f37 E-mail: }{\rtlch\fcs1 \ab\ai\af37\afs16 \ltrch\fcs0 \b\f37\fs16\super\insrsid12783559 \hich\af37\dbch\af31505\loch\f37 1}{\rtlch\fcs1 \ai\af37\afs16 \ltrch\fcs0 
\f37\fs16\lang1057\langfe1033\langnp1057\insrsid12783559\charrsid12783559 \hich\af37\dbch\af31505\loch\f37 saidrafliridha@gmail.com}{\rtlch\fcs1 \ai\af37\afs16 \ltrch\fcs0 \f37\fs16\insrsid12783559\charrsid2060784 \hich\af37\dbch\af31505\loch\f37 , }{
\rtlch\fcs1 \ab\ai\af37\afs16 \ltrch\fcs0 \b\f37\fs16\super\insrsid12783559 \hich\af37\dbch\af31505\loch\f37 2}{\rtlch\fcs1 \ai\af37\afs16 \ltrch\fcs0 \f37\fs16\lang1057\langfe1033\langnp1057\insrsid12783559\charrsid12783559 
\hich\af37\dbch\af31505\loch\f37 fithriady@ar-raniry.ac.id}{\rtlch\fcs1 \ai\af37\afs16 \ltrch\fcs0 \cs40\f37\fs16\insrsid12783559 \hich\af37\dbch\af31505\loch\f37 , }{\rtlch\fcs1 \ab\af37\afs16 \ltrch\fcs0 \b\f37\fs16\super\insrsid12783559 
\hich\af37\dbch\af31505\loch\f37 3}{\rtlch\fcs1 \ai\af37\afs16 \ltrch\fcs0 \f37\fs16\lang1057\langfe1033\langnp1057\insrsid12783559\charrsid12783559 \hich\af37\dbch\af31505\loch\f37 rika.mulia@ar-raniry.ac.id}{\rtlch\fcs1 \af37\afs18 \ltrch\fcs0 
\f37\fs18\lang1057\langfe1033\langnp1057\insrsid8938199\charrsid2060784 
\par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6631903 {\rtlch\fcs1 \ab\ai\af37\afs18 \ltrch\fcs0 \b\f42\fs18\insrsid6631903\charrsid12997917 
\hich\af42\dbch\af31505\loch\f42 ABSTRACT:}{\rtlch\fcs1 \ab\af37\afs18 \ltrch\fcs0 \b\f42\fs18\insrsid6631903\charrsid12997917 
\par }\pard \ltrpar\qj \li850\ri648\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin648\lin850\itap0\pararsid11435098 {\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \f42\fs18\insrsid11435098\charrsid12997917 \hich\af42\dbch\af31505\loch\f42 
Non-Performing Financing (NPF) is one of the indicators in evaluating bank performance. Financing products with murabaha contracts are one of the products that dominate the Islamic banking industry where the percentage of its NPF will also affect
\hich\af42\dbch\af31505\loch\f42 
 profits. This study examines the strategy implemented by one of the Bank Syariah Indonesia (BSI) Area Office in Aceh Province towards Murabaha NPF from two perspectives, risk management and Fatwa DSN-MUI using a descriptive approach. The results conclude
\hich\af42\dbch\af31505\loch\f42  \hich\af42\dbch\af31505\loch\f42 
that in handling NPF, banks begin with negotiation/mediation approach, then gradually rescheduling, restructuring, reconditioning, execution of collateral/auctions and litigation. Those steps are in accordance with risk management concept in terms of prev
\hich\af42\dbch\af31505\loch\f42 e\hich\af42\dbch\af31505\loch\f42 
nting NPF and consistent with Fatwa DSN-MUI in terms of NPF settlement. However, among the obstacles are bad character debtors so that the settlement process will take a long period of time and keep being suspended. This is certainly a significant viewpoi
\hich\af42\dbch\af31505\loch\f42 n\hich\af42\dbch\af31505\loch\f42 t for banks that educating and socializing the management of financing must be explained from the beginning and ensure that debtors understand all related applicable bank regulations}{
\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \i\f0\fs18\insrsid11936103\charrsid12997917 .}{\rtlch\fcs1 \ai\af0\afs18 \ltrch\fcs0 \f0\fs18\insrsid13181764\charrsid12997917 
\par }\pard \ltrpar\qj \li850\ri648\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin648\lin850\itap0\pararsid13181764 {\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \i\f0\fs18\insrsid13181764\charrsid12997917 
\par }\pard \ltrpar\qj \li850\ri648\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin648\lin850\itap0\pararsid12997917 {\rtlch\fcs1 \ab\ai\af31507\afs18 \ltrch\fcs0 \b\i\f42\fs18\insrsid6631903\charrsid12997917 
\hich\af42\dbch\af31505\loch\f42 Keywords: }{\rtlch\fcs1 \ab\ai\af31507\afs18 \ltrch\fcs0 \b\i\f42\fs18\insrsid4728374\charrsid12997917 \hich\af42\dbch\af31505\loch\f42 Murabaha\hich\af42\dbch\af31505\loch\f42 
 Financing, Non-Performing Financing, Risk Management, Fatwa DSN-MUI, Islamic Banks.}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \i\f0\fs18\insrsid6631903\charrsid12997917 
\par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8938199 {\rtlch\fcs1 \af37\afs18 \ltrch\fcs0 \b\f42\fs18\lang1057\langfe1033\langnp1057\insrsid8938199\charrsid12997917 
\hich\af42\dbch\af31505\loch\f42 ABSTRAK}{\rtlch\fcs1 \af37\afs18 \ltrch\fcs0 \b\f42\fs18\insrsid8938199\charrsid12997917 \hich\af42\dbch\af31505\loch\f42 :}{\rtlch\fcs1 \af37\afs18 \ltrch\fcs0 \f42\fs18\insrsid8938199\charrsid12997917 
\par }\pard \ltrpar\qj \li850\ri648\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin648\lin850\itap0\pararsid12997917 {\rtlch\fcs1 \af37\afs18 \ltrch\fcs0 \f42\fs18\insrsid4728374\charrsid12997917 \hich\af42\dbch\af31505\loch\f42 
Pembiayaan Bermasalah (NPF) adalah salah satu indikator dalam mengevaluasi kinerja bank. Produk pembiayaan dengan akad murabaha adalah salah satu produk yang mend\hich\af42\dbch\af31505\loch\f42 
ominasi industri perbankan syariah di mana persentase NPF-nya juga akan memengaruhi keuntungan. Penelitian ini menguji strategi yang diterapkan oleh salah satu Kantor Cabang Bank Syariah Indonesia (BSI) di Provinsi Aceh terhadap NPF Murabaha dari dua sudu
\hich\af42\dbch\af31505\loch\f42 t\hich\af42\dbch\af31505\loch\f42 
 pandang, manajemen risiko dan Fatwa DSN-MUI dengan menggunakan pendekatan deskriptif. Hasilnya menunjukkan bahwa dalam penanganan NPF, bank dimulai dengan pendekatan negosiasi/mediasi, kemudian secara bertahap melakukan penjadwalan ulang, restrukturisasi
,\hich\af42\dbch\af31505\loch\f42 
 rekondisi, eksekusi jaminan/lelang, dan litigasi. Langkah-langkah tersebut sesuai dengan konsep manajemen risiko dalam mencegah NPF dan konsisten dengan Fatwa DSN-MUI dalam penyelesaian NPF. Namun, di antara hambatan tersebut adalah karakter buruk para d
\hich\af42\dbch\af31505\loch\f42 e\hich\af42\dbch\af31505\loch\f42 
bitur sehingga proses penyelesaian akan memakan waktu yang lama dan terus ditangguhkan. Ini tentu saja merupakan pandangan penting bagi bank bahwa edukasi dan sosialisasi manajemen pembiayaan harus dijelaskan dari awal dan memastikan bahwa para debitur me
\hich\af42\dbch\af31505\loch\f42 m\hich\af42\dbch\af31505\loch\f42 ahami semua peraturan bank yang berlaku terutama yang terkait dengan pembiayaan}{\rtlch\fcs1 \af37\afs18 \ltrch\fcs0 \f42\fs18\insrsid11936103\charrsid12997917 .}{\rtlch\fcs1 \af37\afs18 
\ltrch\fcs0 \f42\fs18\insrsid3754013 
\par }{\rtlch\fcs1 \af37\afs18 \ltrch\fcs0 \f42\fs18\insrsid12997917\charrsid12997917 
\par }\pard \ltrpar\qj \li850\ri648\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin648\lin850\itap0\pararsid4728374 {\rtlch\fcs1 \ab\ai\af31507\afs18 \ltrch\fcs0 \b\i\f42\fs18\insrsid8938199\charrsid12997917 
\hich\af42\dbch\af31505\loch\f42 Kata}{\rtlch\fcs1 \ab\ai\af31507\afs18 \ltrch\fcs0 \b\i\f42\fs18\lang1057\langfe1033\langnp1057\insrsid8938199\charrsid12997917 \hich\af42\dbch\af31505\loch\f42  }{\rtlch\fcs1 \ab\ai\af31507\afs18 \ltrch\fcs0 
\b\i\f42\fs18\lang1057\langfe1033\langnp1057\insrsid2838520\charrsid12997917 \hich\af42\dbch\af31505\loch\f42 kunci:}{\rtlch\fcs1 \ab\ai\af31507\afs18 \ltrch\fcs0 \b\i\f42\fs18\insrsid8938199\charrsid12997917 \hich\af42\dbch\af31505\loch\f42  }{
\rtlch\fcs1 \ab\ai\af31507\afs18 \ltrch\fcs0 \b\i\f42\fs18\insrsid4728374\charrsid12997917 \hich\af42\dbch\af31505\loch\f42 Pembiayaan Murabaha, Pembiayaan Bermasalah, Manajemen Risiko, Fatwa DSN-MUI, Bank Syariah}{\rtlch\fcs1 \ab\ai\af31507\afs18 
\ltrch\fcs0 \b\i\f42\fs18\insrsid2906245\charrsid12997917 .}{\rtlch\fcs1 \af37\afs18 \ltrch\fcs0 \f42\fs18\insrsid6631903\charrsid12997917 
\par }\pard \ltrpar\qj \li0\ri0\sl276\slmult1\widctlpar\tx5205\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9462161 {\rtlch\fcs1 \ab\ai\af31507\afs24 \ltrch\fcs0 \b\i\f42\fs24\lang1057\langfe1033\langnp1057\insrsid9462161 \tab }{
\rtlch\fcs1 \ab\ai\af31507\afs24 \ltrch\fcs0 \b\i\f42\fs24\lang1057\langfe1033\langnp1057\insrsid4074016\charrsid4074016 
\par }\pard \ltrpar\qj \li0\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4074016 {\rtlch\fcs1 \ab\ai\af31507\afs24 \ltrch\fcs0 \b\i\f42\fs24\lang1057\langfe1033\langnp1057\insrsid4074016 
\par }{\rtlch\fcs1 \ab\ai\af31507\afs24 \ltrch\fcs0 \b\i\f42\fs24\lang1057\langfe1033\langnp1057\insrsid12997917 
\par }{\rtlch\fcs1 \ab\ai\af31507\afs24 \ltrch\fcs0 \b\i\f42\fs24\lang1057\langfe1033\langnp1057\insrsid12997917\charrsid4074016 
\par }\pard \ltrpar\qj \li288\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin288\itap0\pararsid5733112 {\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 \b\f31502\fs24\insrsid13908921\charrsid13908921 
\hich\af31502\dbch\af31505\loch\f31502 INTRODUCTION}{\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 \b\f31502\fs24\insrsid8938199\charrsid8938199 
\par }\pard \ltrpar\qj \fi720\li288\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin288\itap0\pararsid5733112 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid10037277\charrsid10037277 
\hich\af31502\dbch\af31505\loch\f31502 With the enactment of the Islamic Banking Development\hich\af31502\dbch\af31505\loch\f31502 
 Law No.10 in 1998 in the reform era, this Law provides a legal basis and types of businesses that can be run by Islamic banks. Law Number 21 of the Republic of Indonesia of 2008, the function of a bank is that the bank collects funds or distributes publi
\hich\af31502\dbch\af31505\loch\f31502 c\hich\af31502\dbch\af31505\loch\f31502  funds}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\lang1057\langfe1033\chshdng0\chcfpat0\chcbpat8\langnp1057\insrsid3497013\charrsid3497013 .}{\rtlch\fcs1 
\af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid10037277 \hich\af31502\dbch\af31505\loch\f31502  }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid10037277\charrsid10037277 
\hich\af31502\dbch\af31505\loch\f31502 The risk of non-performing financing (NPF) is that there is no return on principal or financing capital and compensation, }{\rtlch\fcs1 \ai\af37\afs24 \ltrch\fcs0 
\i\f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid10037277\charrsid10037277 \hich\af31502\dbch\af31505\loch\f31502 ujrah}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid10037277\charrsid10037277 
\hich\af31502\dbch\af31505\loch\f31502  or profit sharing, as originally agreed in the financing agreement between the Islamic Bank and the debtors. The more NP\hich\af31502\dbch\af31505\loch\f31502 
F appeared, the more capital that must be provided by the bank. On the other hand, the capital that must be provided by the bank comes from the bank's own capital so that Islamic banks can reduce their capital.}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\cs16\f31502\fs24\cf1\super\chshdng0\chcfpat0\chcbpat8\insrsid16388148 \chftn {\footnote \ltrpar \pard\plain \ltrpar\qj \fi851\li0\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16125615 \rtlch\fcs1 
\af31507\afs22\alang1025 \ltrch\fcs0 \fs22\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af31503\afs20 \ltrch\fcs0 \cs16\f31503\fs20\super\insrsid16388148\charrsid16125615 \chftn }{\rtlch\fcs1 
\af31503\afs20 \ltrch\fcs0 \f31503\fs20\insrsid16388148\charrsid16125615 \hich\af31503\dbch\af31505\loch\f31503  }{\rtlch\fcs1 \af31503\afs20 \ltrch\fcs0 \f31503\fs20\cf1\insrsid16388148\charrsid16125615 
Rakhmawati, C., & Makhrus, M. (2021). Penyelesaian Pembiayaan Bermasalah di Bank Pembiayaan Rakyat Syariah (BPRS) dalam Perspektif Fatwa Dewan Syariah Nasional. }{\rtlch\fcs1 \ai\af31503\afs20 \ltrch\fcs0 
\i\f31503\fs20\cf1\insrsid16388148\charrsid16125615 Alhamra Jurnal Studi Islam}{\rtlch\fcs1 \af31503\afs20 \ltrch\fcs0 \f31503\fs20\cf1\insrsid16388148\charrsid16125615 , }{\rtlch\fcs1 \ai\af31503\afs20 \ltrch\fcs0 
\i\f31503\fs20\cf1\insrsid16388148\charrsid16125615 2}{\rtlch\fcs1 \af31503\afs20 \ltrch\fcs0 \f31503\fs20\cf1\insrsid16388148\charrsid16125615 (1), 62. https://doi.org/10.30595/ajsi.v2i1.10141}}}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid3497013\charrsid10037277 
\par }\pard \ltrpar\qj \fi720\li288\ri45\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin45\lin288\itap0\pararsid5733112 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid15088173\charrsid15088173 \hich\af31502\dbch\af31505\loch\f31502 Islamic banks NPF generally dominated by }{\rtlch\fcs1 \ai\af37\afs24 \ltrch\fcs0 
\i\f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid15088173\charrsid15088173 \hich\af31502\dbch\af31505\loch\f31502 murabaha}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid15088173\charrsid15088173 
\hich\af31502\dbch\af31505\loch\f31502  contract. Two possibilities for }{\rtlch\fcs1 \ai\af37\afs24 \ltrch\fcs0 \i\f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid15088173\charrsid15088173 \hich\af31502\dbch\af31505\loch\f31502 murabaha}{\rtlch\fcs1 
\af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid15088173\charrsid15088173 \hich\af31502\dbch\af31505\loch\f31502 
 financing, which pose unexpected risks: between losses and gains. To anticipate this, there are possibilities that can occur, such as problematic financing that can occur caused by bad internal factors, bad\hich\af31502\dbch\af31505\loch\f31502 
 internal debtors, or bad external banks, and the debtors themselves}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid13908921 .}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid15088173 \hich\af31502\dbch\af31505\loch\f31502  }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid15088173\charrsid15088173 \hich\af31502\dbch\af31505\loch\f31502 
Banks cannot avoid risks, such as market, liquidity, operational, legal, strategic, and financing and decision financing risks. Risks in financing that will have to be managed quickly an\hich\af31502\dbch\af31505\loch\f31502 
d precisely, because if there are several mistakes in managing the financing risks, it can have very fatal consequences resulted in increasing NPF}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid13908921 
\par }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid1781194\charrsid1781194 \hich\af31502\dbch\af31505\loch\f31502 
According to the provisions of Bank Indonesia (BI) No. 7/2/PBI/2005 in BI circular letter No. 7/3/DPNP 31}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\super\chshdng0\chcfpat0\chcbpat8\insrsid1781194\charrsid1781194 
\hich\af31502\dbch\af31505\loch\f31502 st}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid1781194\charrsid1781194 \hich\af31502\dbch\af31505\loch\f31502 
 January, 2005, concerning Asset Quality Assessment for Commercial Banks, BI Regulation No. 14/15/PBI/2012 concerning Asset Quality Assessment for Commercial Banks, and the Financial Services Authority (OJK) Decree No. 29/POJK.05/2014 concerning the Imple
\hich\af31502\dbch\af31505\loch\f31502 m\hich\af31502\dbch\af31505\loch\f31502 entation of Financing Company Businesses, there are five levels of credit/financing score quality for prospective debtors}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\cs16\f31502\fs24\cf1\super\chshdng0\chcfpat0\chcbpat8\insrsid16388148 \chftn {\footnote \ltrpar \pard\plain \ltrpar\qj \fi851\li0\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16125615 \rtlch\fcs1 
\af31507\afs22\alang1025 \ltrch\fcs0 \fs22\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af31503\afs20 \ltrch\fcs0 \cs16\f31503\fs20\super\insrsid16388148\charrsid16125615 \chftn }{\rtlch\fcs1 
\af31503\afs20 \ltrch\fcs0 \f31503\fs20\insrsid16388148\charrsid16125615 \hich\af31503\dbch\af31505\loch\f31503  }{\rtlch\fcs1 \af31503\afs20 \ltrch\fcs0 \f31503\fs20\cf1\insrsid16388148\charrsid16125615 
PT BFI Finance Indonesia Tbk. (2022). Know Credit Collectibility, Important Score Before Applying for Credit. PT BFI Finance Indonesia Tbk
\par }}}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid1781194\charrsid1781194 \hich\af31502\dbch\af31505\loch\f31502  }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid16388148 
\hich\af31502\dbch\af31505\loch\f31502 . }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid1781194\charrsid1781194 \hich\af31502\dbch\af31505\loch\f31502 
Firstly, Col-1 (Pass), the highest collectability category. The debtors have a good track record, performing financing, never exper\hich\af31502\dbch\af31505\loch\f31502 
ienced delays in payments or problems in the form of financing arrears. Then, Col-2 (Special Mention). The second level, means in special attention, the debtors have a track record of experiencing delays in payment of principal and margin that exceeds the
\hich\af31502\dbch\af31505\loch\f31502  \hich\af31502\dbch\af31505\loch\f31502 
due date for 30 - 90 days. Even though it is still included in the performing financing, generally banks consider the debtors as bad character. Ordinary collection or restructuring based on an agreement will be carried out}{\rtlch\fcs1 \af37\afs24 
\ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid1781194 .}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid13908921 
\par }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid10050473\charrsid10050473 \hich\af31502\dbch\af31505\loch\f31502 The following category is Col-3 \hich\af31502\dbch\af31505\loch\f31502 
(Substandard), where the debtors experiences delays in payment of principal and interest for 90 - 120 days after the maturity period ends. The bank is obliged to issue the first warning letter. They start calculating accruals for outstanding principal and
\hich\af31502\dbch\af31505\loch\f31502  \hich\af31502\dbch\af31505\loch\f31502 
margin arrears, ongoing penalties arrears, bookkeeping administration arrears, and other arrears through the issuance of factoring. Then follow by Col-4 (Doubtful), means doubt, indicates a delay in payment, both principal and interest installments. The d
\hich\af31502\dbch\af31505\loch\f31502 e\hich\af31502\dbch\af31505\loch\f31502 
lay in payment lasts between 120 - 180 days from the expiration date. At this stage, Col-4 can be manually shifted to Col-5 if the bank has obtained confidence that the debtors is not only unable to pay his obligations, but also does not have the good fai
\hich\af31502\dbch\af31505\loch\f31502 t\hich\af31502\dbch\af31505\loch\f31502 
h to settle his obligations. At this stage, financial institutions are obliged to issue a warning letter-2 and warning letter-3 to debtors. Not only that, banks can already assume that the principal and margin instalments are not paid and are ready to tak
\hich\af31502\dbch\af31505\loch\f31502 e\hich\af31502\dbch\af31505\loch\f31502  the settlement of NPF through the auction of collateral in accordance with applicable law.}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid4802412 
\par }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid6578982\charrsid6578982 \hich\af31502\dbch\af31505\loch\f31502 
The last category is Col-5 (Loss), which means Loss of Credit, the lowest collectability level which is often referred to by another name for Bad Financing. At this\hich\af31502\dbch\af31505\loch\f31502 
 level, the debtors have the status of a NPF because it is unable to pay the principal and interest installments beyond the due date. That is 120 - 180 days. Banks are obliged to settle NPF by auctioning off the debtor\hich\f31502 \rquote \loch\f31502 
s collateral to cover the risk of ba\hich\af31502\dbch\af31505\loch\f31502 d\hich\af31502\dbch\af31505\loch\f31502 
 financing. Prior to the auction, three warning letters were sent, issued factoring, and reported the history of financing handling and settlement, starting from the history of collection, negotiation, and restructuring (if there is a restructuring).}{
\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid6578982 
\par }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid6578982\charrsid6578982 \hich\af31502\dbch\af31505\loch\f31502 
Efforts that should be made by banks in resolving NPF, namely: Rescheduling, by changing the payment schedule for debtors obligations or changing the time period; Terms of return (reconditioning), by changing some or all of the financing requirements, for
\hich\af31502\dbch\af31505\loch\f31502  \hich\af31502\dbch\af31505\loch\f31502 
example changing the payment schedule, the amount of installments/installments, the term or giving a discount as long as it doesn't add to the remaining debtors obligations that must be paid.; Restructuring, with changes in financing requirements, it is n
\hich\af31502\dbch\af31505\loch\f31502 o\hich\af31502\dbch\af31505\loch\f31502 
t limited to rescheduling and reconditioning, including; addition of several bank financing facility funds; concluding the financing agreement, the conversion of the financing into medium-term sharia securities; and conversion of financing into company te
\hich\af31502\dbch\af31505\loch\f31502 m\hich\af31502\dbch\af31505\loch\f31502 
porary equity participation.; Execution of collateral, collateral as a legal provider to the bank to return the capital/loan provided, in the sense that the collateral is available at any time to be executed if necessary to be cashed to pay off the debtor
\loch\af31502\dbch\af31505\hich\f31502 \rquote \hich\af31502\dbch\af31505\loch\f31502 
s debt.; and Write off, remove unproductive asset accounts from the books. It is also carried out for NPF which can be expected to become uncollectible, even though the bank can still make transfers of the bad financing. }{\rtlch\fcs1 \af37\afs24 
\ltrch\fcs0 \cs16\f31502\fs24\cf1\super\chshdng0\chcfpat0\chcbpat8\insrsid142365 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s17\qj \fi851\li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16125615 \rtlch\fcs1 
\af31507\afs20\alang1025 \ltrch\fcs0 \fs20\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af31503 \ltrch\fcs0 \cs16\f31503\super\insrsid142365\charrsid16125615 \chftn }{\rtlch\fcs1 \af31503 
\ltrch\fcs0 \f31503\insrsid142365\charrsid16125615 \hich\af31503\dbch\af31505\loch\f31503  }{\rtlch\fcs1 \af31503 \ltrch\fcs0 \f31503\chshdng0\chcfpat0\chcbpat8\insrsid142365\charrsid16125615 \hich\af31503\dbch\af31505\loch\f31503 
Bank Indonesia Regulation No. 10/18/PBI/2008 concerning Restructuring for Sharia Banks and Sharia Business Units}}}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid1641073 
\par }\pard \ltrpar\qj \fi720\li288\ri45\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin45\lin288\itap0\pararsid2648227 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid6578982\charrsid6578982 
\hich\af31502\dbch\af31505\loch\f31502 The purpose is to improve the con\hich\af31502\dbch\af31505\loch\f31502 dition of NPF.}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid1641073 
\hich\af31502\dbch\af31505\loch\f31502  }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid1641073\charrsid1641073 \hich\af31502\dbch\af31505\loch\f31502 
The purpose of this study was to analyze the settlement strategies towards NPF for murabaha products implemented by one of the Bank Syariah Indonesia (BSI) Area Office in Aceh Province from the perspective of risk management and the DSN-MUI 
\hich\af31502\dbch\af31505\loch\f31502 Fatwa.}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid6631903 
\par }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid11957736\charrsid2648227 
\par }\pard \ltrpar\ql \qk0\li288\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin288\itap0\pararsid1075768 {\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 \b\f31502\fs24\insrsid14373421\charrsid14373421 
\hich\af31502\dbch\af31505\loch\f31502 METHOD}{\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 \b\f31502\fs24\insrsid12209104\charrsid16674636 
\par }\pard \ltrpar\qj \fi720\li288\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin288\itap0\pararsid1075768 {\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 \f31502\fs24\insrsid5718476\charrsid5718476 
\hich\af31502\dbch\af31505\loch\f31502 This study used a qualitative method by conducting in-depth interviews with Islamic Bankers from one of Bank Syariah\hich\af31502\dbch\af31505\loch\f31502 
 Indonesia Area Office in Aceh Province: Area Recovery and Collection Unit as well as Area Risk Financing Unit. The primary data used is the results of interviews that were conducted for up to 60 minutes and informants were asked questions about their set
\hich\af31502\dbch\af31505\loch\f31502 t\hich\af31502\dbch\af31505\loch\f31502 lement strategies in handling the NPF with }{\rtlch\fcs1 \ab\ai\af37\afs24 \ltrch\fcs0 \i\f31502\fs24\insrsid5718476\charrsid5718476 \hich\af31502\dbch\af31505\loch\f31502 
murabahah}{\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 \f31502\fs24\insrsid5718476\charrsid5718476 \hich\af31502\dbch\af31505\loch\f31502 
 contract prior and after the debtors receive the financing.  Secondary data is also collected from various sources such as previous research journal articles, as well as from digital media which are cons\hich\af31502\dbch\af31505\loch\f31502 
idered to have credibility for published information. Data were analyzed using the Miles and Huberman method namely data reduction, data presentation, and conclusion/verification}{\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 \f31502\fs24\insrsid5718476 .}{
\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 \cs16\f31502\fs24\super\insrsid142365 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s17\qj \fi851\li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16125615 \rtlch\fcs1 
\af31507\afs20\alang1025 \ltrch\fcs0 \fs20\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af31503 \ltrch\fcs0 \cs16\f31503\super\insrsid142365\charrsid16125615 \chftn }{\rtlch\fcs1 \af31503 
\ltrch\fcs0 \f31503\insrsid142365\charrsid16125615 \hich\af31503\dbch\af31505\loch\f31503  }{\rtlch\fcs1 \af31503 \ltrch\fcs0 \cs52\f31503\chshdng0\chcfpat0\chcbpat8\insrsid142365\charrsid16125615 \hich\af31503\dbch\af31505\loch\f31503 Miles}{\rtlch\fcs1 
\af31503 \ltrch\fcs0 \f31503\chshdng0\chcfpat0\chcbpat8\insrsid142365\charrsid16125615 \hich\af31503\dbch\af31505\loch\f31503 , M., &\~}{\rtlch\fcs1 \af31503 \ltrch\fcs0 \cs52\f31503\chshdng0\chcfpat0\chcbpat8\insrsid142365\charrsid16125615 
\hich\af31503\dbch\af31505\loch\f31503 Huberman}{\rtlch\fcs1 \af31503 \ltrch\fcs0 \f31503\chshdng0\chcfpat0\chcbpat8\insrsid142365\charrsid16125615 \hich\af31503\dbch\af31505\loch\f31503 , M. (}{\rtlch\fcs1 \af31503 \ltrch\fcs0 
\cs52\f31503\chshdng0\chcfpat0\chcbpat8\insrsid142365\charrsid16125615 \hich\af31503\dbch\af31505\loch\f31503 1984}{\rtlch\fcs1 \af31503 \ltrch\fcs0 \f31503\chshdng0\chcfpat0\chcbpat8\insrsid142365\charrsid16125615 \hich\af31503\dbch\af31505\loch\f31503 
). Qualitative data analysis: A source book for new methods. Thousand Oaks, CA: Sage \hich\af31503\dbch\af31505\loch\f31503 Publications. Mills, S.J.}}}{\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 \f31502\fs24\insrsid16674636 
\par }\pard \ltrpar\qj \li0\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11689847 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\insrsid275246\charrsid14775169 
\par }\pard \ltrpar\qj \li0\ri0\widctlpar\tx0\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11689847 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f39\fs24\lang1057\langfe1033\langnp1057\insrsid9246076\charrsid12725939 
\par }\pard \ltrpar\ql \li288\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin288\itap0\pararsid1075768 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\f31502\fs24\insrsid14775169\charrsid14775169 
\hich\af31502\dbch\af31505\loch\f31502 DISCUSSION}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\f31502\fs24\insrsid9118874 
\par }\pard\plain \ltrpar\s15\qj \fi720\li288\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin288\itap0\pararsid1075768\contextualspace \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid10290341\charrsid10290341 \hich\af31502\dbch\af37\loch\f31502 
There is a Risk Unit at BSI who\hich\f31502 \rquote \loch\f31502 s responsible to supervise deb\hich\af31502\dbch\af37\loch\f31502 
tors who experience late payments ranging from 0 to 90 days which are managed by the Business Unit, monitor debtors who are in arrears, and also provide information to the Recovery Unit regarding debtors who have potential installment arrears.}{
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid10290341 \hich\af31502\dbch\af37\loch\f31502  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid10290341\charrsid10290341 
\hich\af31502\dbch\af37\loch\f31502 The risk unit in preventing NPF for murabaha products, whether productive or consumptive, uses a method, namely the Risk Acceptance Criteria (RAC). As }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\fs24\cf1\loch\af31502\hich\af31502\dbch\af37\insrsid11098518 }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\cf1\loch\af31502\hich\af31502\dbch\af37\insrsid142365\charrsid142365 \hich\af31502\dbch\af37\loch\f31502 Fachryana}{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \cs16\fs24\cf1\super\loch\af31502\hich\af31502\dbch\af37\insrsid142365 \chftn {\footnote \ltrpar \pard\plain \ltrpar\qj \fi851\li0\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16125615 
\rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \fs22\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af31503\afs20 \ltrch\fcs0 \cs16\f31503\fs20\super\insrsid142365\charrsid16125615 \chftn }{
\rtlch\fcs1 \af31503\afs20 \ltrch\fcs0 \f31503\fs20\insrsid142365\charrsid16125615 \hich\af31503\dbch\af31505\loch\f31503  }{\rtlch\fcs1 \af31503\afs20 \ltrch\fcs0 \f31503\fs20\cf1\insrsid142365\charrsid16125615 
Fachryana, F. A.-H. (2020). Manajemen Risiko Strategis Bank Syariah. }{\rtlch\fcs1 \ai\af31503\afs20 \ltrch\fcs0 \i\f31503\fs20\cf1\insrsid142365\charrsid16125615 Jurnal Manajemen, Ekonomi, Keuangan Dan Akuntansi}{\rtlch\fcs1 \af31503\afs20 \ltrch\fcs0 
\f31503\fs20\cf1\insrsid142365\charrsid16125615 , }{\rtlch\fcs1 \ai\af31503\afs20 \ltrch\fcs0 \i\f31503\fs20\cf1\insrsid142365\charrsid16125615 1}{\rtlch\fcs1 \af31503\afs20 \ltrch\fcs0 \f31503\fs20\cf1\insrsid142365\charrsid16125615 (2), 61\endash 66.}}}
{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\cf1\loch\af31502\hich\af31502\dbch\af37\insrsid11098518 }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid10290341\charrsid10290341 \hich\af31502\dbch\af37\loch\f31502 
 and }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\cf1\loch\af31502\hich\af31502\dbch\af37\insrsid11098518 }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\cf1\loch\af31502\hich\af31502\dbch\af37\insrsid142365\charrsid142365 
\hich\af31502\dbch\af37\loch\f31502 Nadia}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \cs16\fs24\cf1\super\loch\af31502\hich\af31502\dbch\af37\insrsid142365 \chftn {\footnote \ltrpar \pard\plain \ltrpar\qj \fi851\li0\ri0\sl276\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16125615 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \fs22\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af31503\afs20 \ltrch\fcs0 \cs16\f31503\fs20\super\insrsid142365\charrsid16125615 \chftn }{\rtlch\fcs1 \af31503\afs20 \ltrch\fcs0 \f31503\fs20\insrsid142365\charrsid16125615 \hich\af31503\dbch\af31505\loch\f31503  }{\rtlch\fcs1 \af31503\afs20 \ltrch\fcs0 
\f31503\fs20\cf1\insrsid142365\charrsid16125615 Nadia, S., Hasnita, N., & Isnaliana, I. (2020). Analisis Penerapan Manajemen Risiko Dalam Upaya Pencegahan Pembiayaan Bermasalah Pada PT. BPRS Hikmah Wakilah Banda Aceh. }{\rtlch\fcs1 \ai\af31503\afs20 
\ltrch\fcs0 \i\f31503\fs20\cf1\insrsid142365\charrsid16125615 Jurnal Ilmiah Mahasiswa Ekonomi Dan Bisnis Islam}{\rtlch\fcs1 \af31503\afs20 \ltrch\fcs0 \f31503\fs20\cf1\insrsid142365\charrsid16125615 , }{\rtlch\fcs1 \ai\af31503\afs20 \ltrch\fcs0 
\i\f31503\fs20\cf1\insrsid142365\charrsid16125615 1}{\rtlch\fcs1 \af31503\afs20 \ltrch\fcs0 \f31503\fs20\cf1\insrsid142365\charrsid16125615 (2), 68\endash 83. https://doi.org/10.22373/jimebis.v1i2.133}}}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\fs24\cf1\loch\af31502\hich\af31502\dbch\af37\insrsid11098518 }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid10290341\charrsid10290341 \hich\af31502\dbch\af37\loch\f31502 
 also stated that Islamic banks also really need various kinds of procedures and\hich\af31502\dbch\af37\loch\f31502 
 methodologies that can be used to identify, measure, monitor, and control a risk that can give rise to various banking business activities. RAC is a criterion to ensure that the debtor fulfills the terms and conditions in fulfilling his obligations later
,\hich\af31502\dbch\af37\loch\f31502  for example the minimum salary/income or line of business the debtor works for. The ratio of debtors related to their ability to pay is also analyzed and verified by the Risk Unit.}{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid14775169\charrsid14775169 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid10290341\charrsid10290341 \hich\af31502\dbch\af37\loch\f31502 According to one of Unit Risk staff (Area Small and Medium Entreprises Ver
\hich\af31502\dbch\af37\loch\f31502 \hich\f31502 ification), \'93\loch\f31502 
The prevalence of non-performing murabaha financing, a phenomenon not unique to this bank but also observed elsewhere, can be attributed primarily to the behavior of the debtors themselves, who often resist adhering to the scheduled installme
\hich\af31502\dbch\af37\loch\f31502 n\hich\af31502\dbch\af37\loch\f31502 \hich\f31502 
t payments and the presence of side streaming, where funds are used contrary to the contract terms. These two factors exert a more significant influence on the performance of productive murabaha financing\'94.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\fs24\loch\af31502\hich\af31502\dbch\af37\insrsid11608273 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid14753608\charrsid14753608 \hich\af31502\dbch\af37\loch\f31502 Meanwhile, in consumptive murabaha financing, whi\hich\af31502\dbch\af37\loch\f31502 
ch is dominated by employees (government or private sector), there are debtors whose salary payments do not go through the bank, and there are even debtors whose salary was initially paid at the bank and then moved to another bank when the financing has n
\hich\af31502\dbch\af37\loch\f31502 o\hich\af31502\dbch\af37\loch\f31502 
t been paid off. Another cause is that there are debtors who have experienced a decrease in salary or position, so that there is a missing or decreased salary component which results in no longer matching the initial calculation of the monthly installment
\hich\af31502\dbch\af37\loch\f31502  \hich\af31502\dbch\af37\loch\f31502 amount. So, the risk management here is by adjusting the debtor\hich\f31502 \rquote \loch\f31502 
s payment pattern by calculating the ability of the debtors to pay the bank every month without any difference in installments that do not match income.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid14753608 

\par }\pard \ltrpar\s15\qj \fi720\li288\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin288\itap0\pararsid7341757\contextualspace {\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\fs24\loch\af31502\hich\af31502\dbch\af37\insrsid14753608\charrsid14753608 \hich\af31502\dbch\af37\loch\f31502 Settlement of NPF on murabaha products \hich\af31502\dbch\af37\loch\f31502 
by carrying out prevention or settlement, namely first by monitoring the condition of the debtors on a regular basis. Second, if the financing is productive by looking at the current condition of the debtor\hich\f31502 \rquote \loch\f31502 
s business. Third, if consumer financing indicat\hich\af31502\dbch\af37\loch\f31502 e\hich\af31502\dbch\af37\loch\f31502 
s over-financing, such as reduced salary than before. Thus, in analyzing a prospectus debtor whether quantitative or qualitative analysis must be conducted by Risk Financing Unit to ensure the financing that will be given is comply.}{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \cs16\fs24\super\loch\af31502\hich\af31502\dbch\af37\insrsid4083068 \chftn {\footnote \ltrpar \pard\plain \ltrpar\qj \fi851\li0\ri0\sl276\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16125615 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \fs22\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af31503 \ltrch\fcs0 \cs16\f31503\super\insrsid4083068\charrsid16125615 \chftn }{\rtlch\fcs1 \af31503\afs20 \ltrch\fcs0 \f31503\fs20\cf1\insrsid4083068\charrsid16125615 Ahmad, F. A. (2018). Manajemen Risiko terhadap Pembiayaan Murabahah di Ba
nk Pembiayaan Rakyat Syariah. }{\rtlch\fcs1 \ai\af31503\afs20 \ltrch\fcs0 \i\f31503\fs20\cf1\insrsid4083068\charrsid16125615 Az Zarqa\rquote }{\rtlch\fcs1 \af31503\afs20 \ltrch\fcs0 \f31503\fs20\cf1\insrsid4083068\charrsid16125615 , }{\rtlch\fcs1 
\ai\af31503\afs20 \ltrch\fcs0 \i\f31503\fs20\cf1\insrsid4083068\charrsid16125615 10}{\rtlch\fcs1 \af31503\afs20 \ltrch\fcs0 \f31503\fs20\cf1\insrsid4083068\charrsid16125615 (2), 223\endash 251.}{\rtlch\fcs1 \af31503\afs24 \ltrch\fcs0 
\f31503\fs24\cf1\insrsid4083068\charrsid16125615 
\par }}}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid14753608 
\par }\pard \ltrpar\s15\qj \fi720\li288\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin288\itap0\pararsid1075768\contextualspace {\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\fs24\loch\af31502\hich\af31502\dbch\af37\insrsid14753608\charrsid14753608 \hich\af31502\dbch\af37\loch\f31502 According to the Fatwa\hich\af31502\dbch\af37\loch\f31502 
 DSN-MUI, the settlement of problematic financing for murabaha products is by negotiation/mediation, rescheduling, restructuring, reconditioning, execution of collaterals and litigation. Negotiation/mediation, if there is a dispute between the two sides, 
\hich\af31502\dbch\af37\loch\f31502 a\hich\af31502\dbch\af37\loch\f31502  settlement must be reached, such as by peaceful means (}{\rtlch\fcs1 \ab\ai\af0\afs24 \ltrch\fcs0 \i\fs24\loch\af31502\hich\af31502\dbch\af37\insrsid14753608\charrsid14753608 
\hich\af31502\dbch\af37\loch\f31502 al-sulh}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid14753608\charrsid14753608 \hich\af31502\dbch\af37\loch\f31502 
), where the disputing parties will consult together, by resolving the problems they face in a peaceful way, without harming other parties. This deliberation stage is important, because it is the beginning of the bank in supporting debtors in completing t
\hich\af31502\dbch\af37\loch\f31502 h\hich\af31502\dbch\af37\loch\f31502 
eir obligations to the bank. Apart from that, this method is also an attempt to approach the bank and the debtor, so that the bank knows the cause of the debtor being negligent in making a payment, here the bank can remind and consult with the debtor rega
\hich\af31502\dbch\af37\loch\f31502 r\hich\af31502\dbch\af37\loch\f31502 ding payments to the debtor. Although this method does not have specific provisions in the Fatwa, it is based on sharia principles (}{\rtlch\fcs1 \ab\ai\af0\afs24 \ltrch\fcs0 
\i\fs24\loch\af31502\hich\af31502\dbch\af37\insrsid14753608\charrsid14753608 \hich\af31502\dbch\af37\loch\f31502 al-sulh}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid14753608\charrsid14753608 
\hich\af31502\dbch\af37\loch\f31502 ). The second stage is giving a warning letter, this is done if within the period set by the bank you still cannot pa\hich\af31502\dbch\af37\loch\f31502 y off the payment.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\fs24\loch\af31502\hich\af31502\dbch\af37\insrsid14753608 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid14753608\charrsid14753608 \hich\af31502\dbch\af37\loch\f31502 
Rescheduling based on DSN Fatwa No.48/DSN-MUI/II/2005 Islamic financial institutions can reschedule murabaha bills for debtors who cannot complete payments within the agreed timeframe because the debtor's business is not good but the deb
\hich\af31502\dbch\af37\loch\f31502 
tor remained smooth, even asking for relief from payment of financial payments. At the time of rescheduling, the bank provides support in the form of additional allowances or time for debtors to pay installments that are due (in installments) without chan
\hich\af31502\dbch\af37\loch\f31502 g\hich\af31502\dbch\af37\loch\f31502 ing the selling price.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid14753608 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid14753608\charrsid14753608 \hich\af31502\dbch\af37\loch\f31502 
Requirements for returning or reconditioning based on DSN Fatwa No.46/DSN-MUI/II/2005 for requests to cut bills or repair again. The Islamic financial institution can issue deductions from the total payment obligations in a timely ma
\hich\af31502\dbch\af37\loch\f31502 
nner. As has been done by banks, namely saving funds by changing some or all of the funding requirements, not limited to changes to the funding schedule, time period, granting of discounts and other requirements, as well as other requirements as long as t
\hich\af31502\dbch\af37\loch\f31502 h\hich\af31502\dbch\af37\loch\f31502 ey do not involve changes in the maximum capital.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid14753608 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid14753608\charrsid14753608 \hich\af31502\dbch\af37\loch\f31502 
Restructuring or rearranging based on DSN Fatwa No.49/DSN-MUI/III/2005 concerning the conversion of murabaha contracts, the conversion of murabaha contracts is also called restructuring, namely changes in f\hich\af31502\dbch\af37\loch\f31502 
inancial needs. BSI performs restructuring or rescheduling, by adding additional facility funds, converting financing contracts and converting financing into temporary equity participation.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\fs24\loch\af31502\hich\af31502\dbch\af37\insrsid14753608 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid14753608\charrsid14753608 \hich\af31502\dbch\af37\loch\f31502 Execution of collateral or auctions, this stage is also the settle\hich\af31502\dbch\af37\loch\f31502 
ment of problematic murabaha financing by deliberation for consensus provided by BSI to its debtors who experience problematic financing. Here, before the execution of the collaterals, BSI gives its debtors the opportunity to sell the collateral for the e
\hich\af31502\dbch\af37\loch\f31502 n\hich\af31502\dbch\af37\loch\f31502 
tire selling price to the debtor, provided that later it can cover the remaining debt obligations of the debtor. Based on the provisions above, it is in accordance with the DSN MUI Fatwa No. 47/DSN-MUI/II/2005 from points 1 to 4 where the murabah/collater
\hich\af31502\dbch\af37\loch\f31502 a\hich\af31502\dbch\af37\loch\f31502 
l object is sold at an agreed price, the debtor sells the remaining debt from the sale proceeds, the excess from the sale fully belongs to the debtor, if the proceeds from the sale are smaller then the remaining debt remains the debtor's obligation.}{
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid14753608 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid14753608\charrsid14753608 \hich\af31502\dbch\af37\loch\f31502 The se\hich\af31502\dbch\af37\loch\f31502 
ttlement that is often carried out by the Recovery Unit for NPF on murabaha products, namely; negotiation/mediation, restructuring, rescheduling and reconditioning. If there is no solution from these four matters, then they will conduct an auction on the 
\hich\af31502\dbch\af37\loch\f31502 d\hich\af31502\dbch\af37\loch\f31502 ebtors's collaterals, and if it is still not settle}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid15822328 
\hich\af31502\dbch\af37\loch\f31502 d}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid14753608\charrsid14753608 \hich\af31502\dbch\af37\loch\f31502 
, then with the last action, through litigation (court). These results also supported by related previous research }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid4083068 \hich\af31502\dbch\af37\loch\f31502 
by Ibrahim}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \cs16\fs24\super\loch\af31502\hich\af31502\dbch\af37\insrsid15822328 \chftn {\footnote \ltrpar \pard\plain \ltrpar\qj \fi709\li0\ri0\sl276\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16125615 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \fs22\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af31503\afs20 \ltrch\fcs0 \cs16\f31503\fs20\super\insrsid15822328\charrsid16125615 \chftn }{\rtlch\fcs1 \af31503\afs20 \ltrch\fcs0 \f31503\fs20\insrsid15822328\charrsid16125615 \hich\af31503\dbch\af31505\loch\f31503  }{\rtlch\fcs1 \af31503\afs20 
\ltrch\fcs0 \f31503\fs20\cf1\insrsid11957736\charrsid16125615 Ibrahim, A., & Rahmati, A. (2017). Analisis Solutif Penyelesaian Pembiayaan Bermasalah Di Bank Syariah: Kajian Pada Produk Murabahah di Bank Muamalat Indonesia Banda Aceh. }{\rtlch\fcs1 
\ai\af31503\afs20 \ltrch\fcs0 \i\f31503\fs20\cf1\insrsid11957736\charrsid16125615 Qtishadia: Jurnal Kajian Ekonomi Dan Bisnis Islam STAIN Kudus}{\rtlch\fcs1 \af31503\afs20 \ltrch\fcs0 \f31503\fs20\cf1\insrsid11957736\charrsid16125615 , }{\rtlch\fcs1 
\ai\af31503\afs20 \ltrch\fcs0 \i\f31503\fs20\cf1\insrsid11957736\charrsid16125615 10}{\rtlch\fcs1 \af31503\afs20 \ltrch\fcs0 \f31503\fs20\cf1\insrsid11957736\charrsid16125615 (1), 71\endash 96.}}}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\fs24\loch\af31502\hich\af31502\dbch\af37\insrsid4083068 \hich\af31502\dbch\af37\loch\f31502 , Nadia}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \cs16\fs24\super\loch\af31502\hich\af31502\dbch\af37\insrsid11957736 \chftn {\footnote \ltrpar \pard\plain \ltrpar
\s17\qj \fi709\li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16125615 \rtlch\fcs1 \af31507\afs20\alang1025 \ltrch\fcs0 
\fs20\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af31503 \ltrch\fcs0 \cs16\f31503\super\insrsid11957736\charrsid16125615 \chftn }{\rtlch\fcs1 \af31503 \ltrch\fcs0 
\f31503\insrsid11957736\charrsid16125615 \hich\af31503\dbch\af31505\loch\f31503  Nadia, Loc. Cit.}}}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid4083068 \hich\af31502\dbch\af37\loch\f31502 , and Rakhmawati}{
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \cs16\fs24\super\loch\af31502\hich\af31502\dbch\af37\insrsid11957736 \chftn {\footnote \ltrpar \pard\plain \ltrpar
\s17\qj \fi709\li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16125615 \rtlch\fcs1 \af31507\afs20\alang1025 \ltrch\fcs0 
\fs20\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af31503 \ltrch\fcs0 \cs16\f31503\super\insrsid11957736\charrsid16125615 \chftn }{\rtlch\fcs1 \af31503 \ltrch\fcs0 
\f31503\insrsid11957736\charrsid16125615 \hich\af31503\dbch\af31505\loch\f31503  Rakhmawati, Loc. Cit.}}}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid15822328 \hich\af31502\dbch\af37\loch\f31502  }{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid14753608\charrsid14753608 \hich\af31502\dbch\af37\loch\f31502 that conclude techniques for settlement of the NPF c\hich\af31502\dbch\af37\loch\f31502 onsist of \hich\f31502 
\lquote \loch\f31502 on the spot\hich\f31502 \rquote \loch\f31502 , summons, billing, restructuring, collateral selling and written off, and penalty charging. }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\fs24\loch\af31502\hich\af31502\dbch\af37\insrsid14753608 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid14753608\charrsid14753608 \hich\af31502\dbch\af37\loch\f31502 
Based on the results of interviews with Area Collection and Recovery Unit staff, he mentioned that the settlement of NPF that was applied h\hich\af31502\dbch\af37\loch\f31502 
ad been carried out well in minimizing the financing risks that occurred. The bank provides convenience and flexibility by providing deferrals to debtors in carrying out payment and collection obligations.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\fs24\loch\af31502\hich\af31502\dbch\af37\insrsid4609917\charrsid7367181 
\par }\pard\plain \ltrpar\qj \li0\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid3289253 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid6098869\charrsid6098869 
\par }\pard\plain \ltrpar\s15\ql \li0\ri0\sl276\slmult1\widctlpar\tx0\tx360\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid3289253\contextualspace \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 \b\f31502\fs24\insrsid10356352\charrsid2838520 
\par }\pard \ltrpar\s15\ql \li288\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin288\itap0\pararsid1075768\contextualspace {\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 \b\f31502\fs24\insrsid15073936\charrsid15073936 
\hich\af31502\dbch\af31505\loch\f31502 CONCLUSION}{\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 \b\f31502\fs24\insrsid8938199\charrsid2838520 
\par }\pard\plain \ltrpar\qj \fi720\li288\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin288\itap0\pararsid1075768 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\insrsid14896158\charrsid14896158 \hich\af31502\dbch\af31505\loch\f31502 
Analysis of the strategy used by Bank Syariah Indonesia (BSI) during NPF settlement for murabaha products according to risk management are; first, risk identification, by analyzing the debtor's character, ability to pay, business conditions, collateral va
\hich\af31502\dbch\af31505\loch\f31502 l\hich\af31502\dbch\af31505\loch\f31502 
ue to the state of the economy. Second, risk measurement by monitoring the collectability status of debtors, pass, special attention, less pass, doubtful and loss. Finally, risk monitoring is carried out since the financing application submitted by the pr
\hich\af31502\dbch\af31505\loch\f31502 o\hich\af31502\dbch\af31505\loch\f31502 
spective debtors, until the financing is paid off. While the analysis of the strategy used by BSI on NPF murabaha products settlement is in accordance with the DSN-MUI Fatwa, namely by negotiating/mediation, rescheduling, reconditioning, restructuring, ex
\hich\af31502\dbch\af31505\loch\f31502 e\hich\af31502\dbch\af31505\loch\f31502 cution of collaterals, and auctions.}{\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 \f31502\fs24\insrsid877444 
\par }\pard \ltrpar\qj \li0\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1331777 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\insrsid1331777\charrsid936601 
\par }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\lang1057\langfe1033\langnp1057\insrsid1331777\charrsid1331777 
\par }\pard \ltrpar\ql \li288\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin288\itap0\pararsid1075768 {\rtlch\fcs1 \ab\af31507\afs24 \ltrch\fcs0 \b\f31502\fs24\cf1\insrsid11691296\charrsid11691296 REFERENCES}{\rtlch\fcs1 
\ab\af31507\afs24 \ltrch\fcs0 \b\f31502\fs24\cf1\insrsid8938199 
\par }\pard \ltrpar\qj \fi-720\li1008\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1008\itap0\pararsid1075768 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f31502\fs24\cf1\insrsid11287560\charrsid11287560 
Ahmad, F. A. (2018). Manajemen Risiko terhadap Pembiayaan Murabahah di Bank Pembiayaan Rakyat Syariah. }{\rtlch\fcs1 \ai\af31507\afs24 \ltrch\fcs0 \i\f31502\fs24\cf1\insrsid11287560\charrsid11287560 Az Zarqa\rquote }{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \f31502\fs24\cf1\insrsid11287560\charrsid11287560 , }{\rtlch\fcs1 \ai\af31507\afs24 \ltrch\fcs0 \i\f31502\fs24\cf1\insrsid11287560\charrsid11287560 10}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f31502\fs24\cf1\insrsid11287560\charrsid11287560 
(2), 223\endash 251.
\par Fachryana, F. A.-H. (2020). Manajemen Risiko Strategis Bank Syariah. }{\rtlch\fcs1 \ai\af31507\afs24 \ltrch\fcs0 \i\f31502\fs24\cf1\insrsid11287560\charrsid11287560 Jurnal Manajemen, Ekonomi, Keuangan Dan Akuntansi}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f31502\fs24\cf1\insrsid11287560\charrsid11287560 , }{\rtlch\fcs1 \ai\af31507\afs24 \ltrch\fcs0 \i\f31502\fs24\cf1\insrsid11287560\charrsid11287560 1}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f31502\fs24\cf1\insrsid11287560\charrsid11287560 (2), 61\endash 
66.
\par }\pard \ltrpar\qj \fi-720\li1008\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1008\itap0\pararsid11957736 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f31502\fs24\cf1\insrsid11287560\charrsid11287560 
PT BFI Finance Indonesia Tbk. (2022). Know Credit Collectibility, Important Score Before Applying for Credit. PT BFI Finance Indonesia Tbk}{\rtlch\fcs1 \af31503\afs24 \ltrch\fcs0 \f31502\fs24\lang14345\langfe1033\langnp14345\insrsid11098518 }{\rtlch\fcs1 
\af31503\afs24 \ltrch\fcs0 \f31502\fs24\lang14345\langfe1033\langnp14345\insrsid15469456 \hich\af31502\dbch\af31505\loch\f31502      }{\rtlch\fcs1 \af31503\afs24 \ltrch\fcs0 \f31502\fs24\lang14345\langfe1033\langnp14345\insrsid11098518 }{\rtlch\fcs1 
\af31503\afs24 \ltrch\fcs0 \f31502\fs24\lang14345\langfe1033\langnp14345\insrsid11149458 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31502\fs24\cf1\insrsid11957736\charrsid11957736 Rakhmawati, C., & Makhrus, M. (2021). Penyelesaian Pembiayaan Bermasalah di Bank Pembiayaan Rakyat Syariah (BPRS) dalam Perspektif Fatwa Dewan Syariah Nasional. }{
\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \i\f31502\fs24\cf1\insrsid11957736\charrsid11957736 Alhamra Jurnal Studi Islam}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31502\fs24\cf1\insrsid11957736\charrsid11957736 , }{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 
\i\f31502\fs24\cf1\insrsid11957736\charrsid11957736 2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31502\fs24\cf1\insrsid11957736\charrsid11957736 (1), 62. https://doi.org/10.30595/ajsi.v2i1.10141
\par }\pard\plain \ltrpar\s17\ql \fi-709\li993\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin993\itap0\pararsid11957736 \rtlch\fcs1 \af31507\afs20\alang1025 \ltrch\fcs0 
\fs20\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs52\f31502\fs24\chshdng0\chcfpat0\chcbpat8\insrsid11957736\charrsid11957736 \hich\af31502\dbch\af31505\loch\f31502 Miles}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31502\fs24\chshdng0\chcfpat0\chcbpat8\insrsid11957736\charrsid11957736 \hich\af31502\dbch\af31505\loch\f31502 , M., &\~}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\cs52\f31502\fs24\chshdng0\chcfpat0\chcbpat8\insrsid11957736\charrsid11957736 \hich\af31502\dbch\af31505\loch\f31502 Huberman}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31502\fs24\chshdng0\chcfpat0\chcbpat8\insrsid11957736\charrsid11957736 
\hich\af31502\dbch\af31505\loch\f31502 , M. (}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs52\f31502\fs24\chshdng0\chcfpat0\chcbpat8\insrsid11957736\charrsid11957736 \hich\af31502\dbch\af31505\loch\f31502 1984}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f31502\fs24\chshdng0\chcfpat0\chcbpat8\insrsid11957736\charrsid11957736 \hich\af31502\dbch\af31505\loch\f31502 ). Qualitative data analysis: A source\hich\af31502\dbch\af31505\loch\f31502 
 book for new methods. Thousand Oaks, CA: Sage Publications. Mills, S.J.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31502\fs24\insrsid11957736\charrsid11957736 
\par }\pard\plain \ltrpar\qj \fi-709\li993\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin993\itap0\pararsid11957736 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31502\fs24\cf1\insrsid11957736\charrsid11957736 Fachryana, F. A.-H. (2020). Manajemen Risiko Strategis Bank Syariah. }{
\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \i\f31502\fs24\cf1\insrsid11957736\charrsid11957736 Jurnal Manajemen, Ekonomi, Keuangan Dan Akuntansi}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31502\fs24\cf1\insrsid11957736\charrsid11957736 , }{\rtlch\fcs1 
\ai\af0\afs24 \ltrch\fcs0 \i\f31502\fs24\cf1\insrsid11957736\charrsid11957736 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31502\fs24\cf1\insrsid11957736\charrsid11957736 (2), 61\endash 66.
\par Nadia, S., Hasnita, N., & Isnaliana, I. (2020). Analisis Penerapan Manajemen Risiko Dalam Upaya Pencegahan Pembiayaan Bermasalah Pada PT. BPRS Hikmah Wakilah Banda Aceh. }{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 
\i\f31502\fs24\cf1\insrsid11957736\charrsid11957736 Jurnal Ilmiah Mahasiswa Ekonomi Dan Bisnis Islam}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31502\fs24\cf1\insrsid11957736\charrsid11957736 , }{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 
\i\f31502\fs24\cf1\insrsid11957736\charrsid11957736 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31502\fs24\cf1\insrsid11957736\charrsid11957736 (2), 68\endash 83. https://doi.org/10.22373/jimebis.v1i2.133}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f31502\fs24\cf1\insrsid11957736  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31502\fs24\cf1\insrsid11957736\charrsid11957736 
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