PENERAPAN MANAJEMEN RISIKO KREDIT PADA PEMBIAYAAN UMKM DALAM MEMINIMALISIR PEMBIAYAAN BERMASALAH PADA BANK SYARIAH INDONESIA CABANG TENGGARONG

Abstract

This study aims to determine the factors of problematic financing and the application of credit risk management in UMKM financing in an effort to minimize the occurrence of non-performing financing at Bank Syariah Indonesia Tenggarong Branch. This research uses qualitative research methods with a descriptive approach. The data collection techniques used are observation, documentation and interviews with the head of the marketing department (account officer) and UMKM financing customers of Bank Syariah Indonesia Tenggarong Branch related to this research. The results showed that the factors of non-performing financing consisted of internal factors and external factors. The application of risk management carried out by Bank Syariah Indonesia Tenggarong Branch in providing financing to prospective customers has several stages of the financing mechanism, namely submitting a financing application, collecting data, analyzing financing, approving financing, binding the contract, disbursement, monitoring and repayment. In the application of financing analysis, Bank Syariah Indonesia Tenggarong Branch applies financing analysis using the 5C principle. In resolving problem financing, Bank Syariah Indonesia Tenggarong Branch uses a persuasive approach by conducting deliberations which are then applied reconditioning, rescheduling, restructuring, to the execution of collateral.