MANAJEMEN RISIKO PEMBIAYAAN DI BMT UGT NUSANTARA: STUDI KASUS PENANGANAN TUNGGAKAN PEMBAYARAN MELALUI PENDEKATAN SYARIAH DAN MITIGASI ADAPTIF

Abstract

This article examines financing risk management at BMT UGT Nusantara, focusing on handling arrears through sharia approaches and adaptive mitigation. The main challenge faced is the high level of arrears (non-performing financing/NPF) due to external factors such as economic fluctuations and the pandemic, as well as internal factors such as less effective risk management, which threatens the operational stability of BMT as a sharia microfinance institution. The relevance of this research lies in the role of BMT in supporting financial inclusion and community economic empowerment, in line with sharia principles that avoid usury and speculation, as well as the global trend of adaptive risk mitigation that is responsive to environmental changes. This research is important as it provides practical contributions to developing innovative arrears handling models, such as contract restructuring based on sharia agreements and technology integration for real-time risk monitoring, thereby reducing NPF, increasing BMT resilience, and supporting the growth of the national sharia financial ecosystem. Through case studies and data analysis, this article produces specific recommendations for BMT UGT Nusantara and similar institutions, preventing financial crises and promoting an inclusive economy.