STRATEGI MANAJEMEN RISIKO PADA PRODUK PEMBIAYAAN MIKRO DALAM MENGURANGI TINGKAT NON PERFORMING FINANCE (STUDI KASUS PADA BRISYARIAH KC YOGYAKARTA)

Risk management is a process series of identification, measurement, observation and control towards banking business activities which is conducted in a well-organized, systematic, and sustainable way. Financing risk is the risk of loss possibly caused by either internal or external factors, in which a risk management should be implemented in order minimize payment transaction failures among the bank customers. Debtor failures cause the increasing rate of NPF (Non-Perform Finance).
This research aims at finding out the strategy implemented by BRISyariah Bank of Yogyakarta in reducing the rate of NPF. This research was descriptive-qualitative with observation, interview and documentation as the data collection technique. The data validation technique source triangulation. The data collection was carried out by eliciting information from the Bank’s Micro Marketing Manager, Unit Head, Marketing, the second-party customers of Micro Financing at BRISyariah Bank of Yogyakarta, and the third-party as experts in banking risk management.
The research result shows that the strategy implementation of risk management in reducing the rate of NPF at BRISyariah Bank of Yogyakarta, based on the quarterly financial reports in the past 5 years, indicates that the rate of NPF is good. The strategy used by the Bank to decrease the NPF rate has been with the principle of 5Cs: Character, Capacity, Capital, Collateral, and Condition of economic.
Key Words: Risk Management, Financing, Non-Performing Finance