The Impact of Monetary Policy on the Stability of Bank Sumut Syariah KCP Stabat
Abstract
This study aims to determine the impact of monetary policy on the operational and financial stability of Bank Sumut Syariah KCP Stabat, as well as the strategies employed in response to these changes. The method used is qualitative descriptive with data collection techniques in the form of interviews, observations, and documentation. The results of the study indicate that monetary policies such as changes in interest rates, inflation, and the rupiah exchange rate have a significant impact on financing activities and the mobilisation of public funds. In financing activities, changes in margins and economic conditions cause customers to delay applications or experience payment difficulties, which the bank addresses through strict selection, restructuring, and product innovation.
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DOI: https://doi.org/10.56114/al-sharf.v6i3.12541
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