MITIGASI RISIKO: ANALISIS TERHADAP ANTISIPASI RISIKO DALAM PEMBIAYAAN MIKRO SYARIAH

The biggest risk of extending credit is the emergence of bad credit. Bad credit cannot be avoided but must be faced by managing the risk of bad credit. Risk management is carried out through the implementation of risk management. Risk management in Sharia microfinance is implemented by carrying out the initial stages in the form of risk identification, risk measurement, risk control and risk monitoring. Every potential loss that occurs is inventoried, then analyzed based on the cause, and then ways to prevent it are sought in the form of risk mitigation. Risk mitigation is aimed at finding solutions to the consequences that give rise to the risk of loss in the distribution of financing. Risk mitigation creates rules or policies in the form of SOPs, especially in the distribution of microfinance. SOPs are then used as the "holy book" of bank employees in extending credit, nothing should go out or conflict with existing SOPs. The SOP contains the process of disbursing financing, verification in the form of financing analysis of the eligibility of customers receiving financing, monitoring of loans that have been disbursed, and settlement of problem loans. In the financing analysis, an assessment of the feasibility of the customer is applied through character, capacity, capital, collateral and economic conditions. Customers who will receive financing are only customers who meet the elements of the eligibility assessment based on the 5 C's.