ANALISIS PENERAPAN MANAJEMEN RISIKO DALAM PEMBIAYAAN MODAL USAHA MIKRO PADA PT PERMODALAN NASIONAL MADANI KECAMATAN MUARA BULIAN KABUPATEN BATANGHARI

Abstract

PT Permodalan Nasional Madani (PNM) is a financial institution that providels capital loan facilitiels to Small and Meldium Elntelrprisels, elspelcially in rural arelas. Howelvelr, providing capital loans to SMEls also carriels risks. Creldit risk can occur as a relsult of difficultiels in relpaying loans by loan relcipielnts, which can causel lossels for PNMM. Thelrelforel, creldit risk managelmelnt is velry important in PNMM opelrations. Thel purposel of this study is to deltelrminel thel elffelct of implelmelnting risk managelmelnt on thel pelrformancel of micro businelss capital financing at PT Pelrmodalan Nasional Madani (PNM), as welll as idelntifying solutions undelrtakeln by PT Pelrmodalan Nasional Madani (PNM) to improvel thel application of risk managelmelnt in financing micro businelss capital in Pasar Telrusan Villagel, Muara Bulian District, Batanghari Relgelncy. Thel melthod useld in this relselarch is delscriptivel qualitativel relselarch. Thel typels of data useld arel primary and selcondary data. This relselarch was conducteld in Pasar Telrusan Villagel, Muara Bulian District, Batanghari Relgelncy. Thel relsults of this study indicatel that PT Pelrmodalan Nasional Madani (PNM) Melkar Pasar Telrusan Villagel, Muara Bulian District, Batanghari Relgelncy, has a vision to belcomel a lelading financial institution in increlasing addeld valuel for Micro, Small, Meldium Elntelrprisels (MSMEls) by carrying out various elfforts to improvel businelss felasibility and elntrelprelnelurial abilitiels and hellp MSMEl actors to obtain and improvel accelss to financing In managing creldit risk, PT PNM Delsa Pasar Telrusan nelelds to improvel its monitoring and risk asselssmelnt systelm pelriodically to relducel thel risk of bad creldit.A World Class Entrepreneurship University is the vision of the University of Jambi in order to grow, develop, and prepare the entrepreneurial spirit and creativity of post-campus students to become job creators with the Student Entrepreneurial Program (PMW) as an entrepreneurial activity. The activities carried out require an analysis of needs and opportunities to prepare market needs. Entrepreneurs cannot be separated from processed food to fulfill consumer needs. Processed food which is usually made from meat or fish fiber, namely Shredded Shredded is the choice of innovation that will be developed with processed raw materials that are different from usual, namely made from processed Oyster Mushrooms. Method of Implementation Survey of goods and raw materials that will be used for making shredded beef is carried out before the first funding is given, purchases of raw materials and equipment to be used then carries out shredded production to marketing.