Analysis of Financing Risk Management in Stabilizing Profitability During The Covid�19 Pandemic at BMT UGT Nusantara Capem Rambipuji.

Ma'muroh, Hayyinatul (2021) Analysis of Financing Risk Management in Stabilizing Profitability During The Covid�19 Pandemic at BMT UGT Nusantara Capem Rambipuji. Undergraduate thesis, Universitas Islam Negeri Kiai Haji Achmad Siddiq Jember.

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Abstract

The COVID-19 pandemic has had a major impact on people's activities and health. Therefore, with government policies, people cannot fulfill their needs properly. BMT UGT Nusantara Capem Rambipuji has a role in helping the community's economy in the form of financing. However, the BMT must maximize the application of risk management to stabilize profitability. The focus of the research studied are: first, how is the implementation of financing risk management at BMT UGT Nusantara Capem Rambi Puji? Second, how is financing risk management to stabilize profitability during the COVID-19 pandemic at BMT UGT Nusantara Capem Rambi Puji?. The purposes of this study are: first to describe the implementation of financing risk management at BMT UGT Nusantara Capem Rambi Puji, second to describe how to manage financing risk in stabilizing profitability during the COVID-19 pandemic at BMT UGT Nusantara Capem Rambi Puji. This research method uses a qualitative approach with descriptive research type. Methods of data collection using observation, interviews, and documentation. To check the validity of the data, the researchers used source triangulation techniques. The results of the research that have been carried out are first, the implementation of financing risk management carried out by BMT UGT Nusantara Capem Rambi Puji by identifying, measuring, monitoring, and controlling these risks to reduce the number of non-performing financing. And in its submission, BMT uses 5C analysis consisting of Character, Capacity, Capital, Collateral, and Condition. Second, how to manage financing risk in stabilizing profitability during the COVID-19 pandemic, namely by reducing the nominal financing and conducting strict surveys so that the financing is really put to good use.

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