That, the settlement was carried out in three ways, namely Shulh (peace), Tahkim (Syari'ah Arbitration), and Qadha (judicial institution). How to solve problem financing in Islamic financial institutions with Islamic law. Technical data collection is done through interviews. The approach of this research is a descriptive research approach, namely research that seeks to tell the problems that exist, by presenting, analyzing and interpreting the results of research. There are three ways to settle NPLs that should be implemented by Islamic banks, namely shulh (peace), Tahkim (Abitrase Syariah), and Qadha (Court Institution). Non-performing finance (NPL) is a problematic financing which cannot meet the payment of outstanding loans and margin / profit sharing within the agreed period of the agreement. Credit risk includes non-performing loans. A risk due to failure or inability of the customer to return the amount of the loan received from the bank and its interest in accordance with a predetermined or scheduled period. One of the risks faced by banks is the risk of unpaid credit that has been given to debtors or called credit risk.
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