Murabahah financing is a very common financing product used by Islamic financial institutions, including KSPPS BMT Hasanah Ponorogo. In practice, financing problems are still encountered that have the potential to disrupt the institution's financial operations and reduce the effectiveness of financing quality. This situation indicates that a comprehensive mechanism for resolving problematic financing needs to be implemented through preventive and curative approaches. The occurrence of problematic financing has become a significant issue that may affect the sustainability of murabahah financing. Therefore, this study was conducted to examine the implementation of financing resolution strategies at KSPPS BMT Hasanah Ponorogo. The objectives of this research are: (1) to identify the preventive measures employed to minimize the occurrence of problematic financing; (2) to analyze the curative actions undertaken when financing deteriorates into substandard or non-performing categories; and (3) to evaluate the effectiveness of both approaches in maintaining the quality of murabahah financing. This research adopted a qualitative field-study approach. Data were collected through in-depth interviews with BMT management, direct observations of operational activities, and documentation related to financing policies and procedures. The study was conducted at KSPPS BMT Hasanah Ponorogo, and the data were analyzed through the stages of data reduction, data presentation, and conclusion drawing. The findings reveal that preventive efforts include member feasibility assessments, surveys of business and residential locations, and continuous monitoring of financing activities. Meanwhile, curative measures are carried out through restructuring, rescheduling, persuasive communication, and Sharia-compliant settlement procedures when financing defaults occur. The study concludes that the integration of preventive and curative strategies contributes positively to reducing problematic financing and enhancing the quality of murabahah financing, although improvements in post-financing monitoring and financing assessment remain necessary to strengthen risk management practices.
Keywords : Implementation, Non-Performing Financing, Resolution, Murabahah.