Kredit Usaha Rakyat (KUR): Manajemen Resiko Produk tanpa Agunanpada PT. Pegadaian Syariah Kota Langsa

Abstract

The provision of People's Business Credit (KUR) financing without collateral by PT Pegadaian increases the potential risk of default due to the uncertainty of the prospects of the financed business, coupled with the problem of incomplete andinaccurate data quality from customers, which can result in unreliable risk analysis. This study aims to identify the distribution mechanism, analyze risk management, and evaluate obstacles and solutions to KUR financing without collateral distributed by PT. Pegadaian Syariah, Langsa City. This research method uses a descriptive qualitative approach. The subjects of the study were Mr. Fahrizal as Account Officer, Mr. Ramadhan as Micro Admin, Mrs. Ardhea Rosana Putri CRO KUR Pegadaian Syariah, Langsa City Branch using purposive sampling technique. The data sources used are primary data sources and secondary data sources. The results of the study show that the distribution mechanism of KUR financing without collateral at PT. Pegadaian Syariah, Langsa City Branch involves several stages including loan application, business feasibility evaluation, determining the amount of financing based on a comprehensive evaluation, and signing a financing agreement. Risk management implemented by PT. Pegadaian Syariah Langsa City Branch including risk identification, risk measurement, mitigation strategies, monitoring and control and regulatory compliance. The main obstacle faced by PT. Pegadaian Syariah Langsa City is the risk of customer default. To overcome the obstacles faced, PT. Pegadaian Syariah took several strategic steps. First, conducting an in-depth credit evaluation to minimize the risk of default from the start. Second, the company formed a special team. Third, developing a predictive system to detect customers who have the potential to have a risk of default early