ANALISIS PENYELESAIAN KREDIT BERMASALAH MELALUI PENDIDIKAN DAN MITIGASI RESIKO PADA CU KELUARGA KUDUS PONTIANAK

Abstract

Abstract

The main problems examined in writing this thesis are the implementation of basic
education and further education for members, the credit risk mitigation process and
the management policies taken by the management in dealing with non-performing
loans. took the object of Pontianak Kudus Family CU. The study used a qualitative
methodology. Qualitative data was obtained through interviews with the Manager and
Chairman of the Executive Board of the Kudus Family CU and three members who
had received member education from the Kudus Family CU. Non-partisan
observations and documentation were carried out on the implementation of education
and risk mitigation carried out by management. Data analysis was carried out by
conducting narrative analysis on interview transcripts. In this study it can be
concluded: First, the education provided to members is very good with compulsory
education and further education according to the member's job segment. Second, risk
mitigation has also been carried out not only from internal CUs, credit reserves are
carried out from the collectability system, as well as active and passive credit
monitoring. Third, the management policies that have been made include the
delegation of authority to terminate credit disbursement, the pre-credit education
policy is also carried out as a step to prevent non-performing loans as well as increase
the capacity of management human resources.
Keywords: Risk Mitigation, Member Education And Management Policy