ANALISIS PENERAPAN MANAJEMEN RISIKO KREDIT PADA PEMBIAYAAN UMKM DALAM MEMINIMALISIR PEMBIAYAAN BERMASALAH PADA BANK BTN KC. KENDARI

Abstrak

This study aims to examine the implementation of credit risk management on MSME financing in minimizing non-performing loans at Bank BTN KC. Kendari. This research is qualitative in nature. Data collection techniques were carried out through interviews with the Branch Collection Unit Head, Branch Business Control, and Credit Program Sales at Bank BTN KC. Kendari. Data analysis was conducted through the stages of data reduction, data presentation, and drawing conclusions. The results of the study indicate that Bank BTN KC. Kendari has implemented credit risk management optimally through active supervision by the board of directors, the formulation of adequate credit risk policies and procedures, as well as the continuous implementation of risk identification, measurement, monitoring, and control. The mitigation strategies applied include persuasive collection, issuance of warning letters, legal notice (somasi), and collateral auction as the last resort. The success of credit risk management implementation is evident from the non-performing loan (NPL) rate which was only 1% in 2020 and successfully reduced to 0% from 2021 to 2023.

Kata kunci

• Bank BTN KC. Kendari
• Credit Risk Management
• MSME Financing
• Manajemen Risiko Kredit
• Non-Performing Loans
• Pembiayaan Bermasalah
• Pembiayaan UMKM