Peran dan Strategi Account Officer Dalam Meminimalisir Risiko Pembiayaan Bermasalah pada PT. BPRS Rif'atul Ummah Bogor

Abstract

Non-performing financing is one of the main parameters in assessing bank performance. Financing whose payments are stuck or cannot reach the specified minimum obligation value will cause the bank's performance to be unfavorable. So this study aims to determine the role and strategy of the Account Officer in minimizing the risk of financing problems at PT. BPRS Rif'atul Ummah Bogor. The research method that the researcher uses is a qualitative research approach, which consists of primary and secondary data. By using data collection techniques through observation, interviews and documentation. Based on the research results, the role played by Account Officers in minimizing the risk of non-performing financing is by managing accounts, managing products, managing financing, managing sales, and managing profitability, which in general is monitoring and coaching customers from the initial process before financing is given to financing. is given to the customer.  The  strategy  used  by  the  Account  Officer  in  minimizing  the  risk  of  non-performing financing is by analyzing financing proposals in the process of checking the Debtor Information System (SID), checking using 5C financing analysis, namely character, capacity, capital, collateral, and condition of economy as well as binding asset guarantees. customer. It is proven that the role and strategy carried out by the Account Officer is able to minimize the risk of non-performing financing on December 31, 2021 by 4.78%, which means it is already below the safe limit of Bank Indonesia.

 Keywords: Role, Strategy, Account Officer, Problem Financing