ISLAMIC MICRO FINANCE INSTITUTION POLICY FOR CLIENTS AFFECTED BY COVID-19
Abstract
The purpose of this study is to find out how the Islamic Micro Finance (BMT) Institution set up their policy towards clients using the financing facilities who are affected by COVID-19. In addition to that, this research also aims to know the respond of those clients. This study uses a qualitative method with a descriptive approach. The source of data is primary data, obtained through interviews with BMT financing manager and five BMT financing members of BMT Amanah Ummah Sukoharjo. Secondary data is collected through scientific literature such as journals, books, survey results, research reports and so on. The results of this study indicate that the BMT policy for users of financing facilities during Covid-19 is to provide facilities in the form of financing relaxation. The forms of relaxation implemented are rescheduling in the form of an extension of the installment period and by doing reconditioning in the form of a postponement of principal payments as well as the delays in paying principal and margins. It is important to note that restructuring is not applied in this BMT. In general, the clients are happy and enthusiastic about the policies offered by the BMT. However, they regret that such good policy is not well conveyed and published to all clients.
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