SKRIPSI PBS
STRATEGI KSPPS BMT REJO SUKO MULYO KARANGANYAR DALAM MENGHADAPI PEMBIAYAAN BERMASALAH PADA MASA PANDEMI COVID-19
ABSTRACT The growth of non-performing financing in Islamic financial institutions has increased during the Covid-19 pandemic. The existence of the Covid-19 pandemic has caused changes in rules, adaptations, and habits carried out by the community. The imposition of restrictions on community activities causes a decrease in business success and community income, including financing customers. This study aims to find out what causes problem financing and how to deal with problem financing strategies, this study is also to find out what obstacles are experienced when dealing with non-performing financing, and how to evaluate the strategies and obstacles that are carried out in dealing with problem financing. This research is qualitative with data collection techniques through observation, interviews, and documentation. Sources of data used in this study are primary data and secondary data. The results of this study are that there are several factors that cause problematic financing during the Covid-19 pandemic, namely internal factors and external factors. The strategy in dealing with non-performing financing is by taking a family approach, contacting through online media, routine billing, giving SP, rescheduling, and reducing the amount of payment obligations. Meanwhile, the obstacles experienced are the lack of employee responsibility, the ineffectiveness of financing analysis, the customer is not at home, and the customer is constrained by illness. Evaluation of the strategy implemented can be said to be successful even though it is not optimal, and evaluation of the obstacles experienced can be overcome properly. Keywords: Problem Financing, Strategy, NPF.
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