Empowering Microfinance Institutions through Credit Risk Analysis Training: Experience from Pecangaan, Jepara
DOI:
https://doi.org/10.24090/icodev.v6i2.15288Keywords:
Analisa Pembiayaan, Risiko Kredit, Kalkulator RisikoAbstract
Kredit macet merupakan salah satu risiko kredit yang dihadapi lembaga keuangan. Dalam 10tahun terakhir, di Jepara, terdapat 5 lembaga keuangan mikro terutama koperasi gagal dalammengelola risiko kredit yang menyebabkan hilangnya uang masyarakat. Analisa pembiayaandan “Kalkulator Risiko” merupakan langkah preventif bagi lembaga untuk meminimalkan risikokredit yang mungkin muncul. Program pengabdian ini bertujuan untuk memberikan pelatihananalisa keuangan dan penggunaan “Kalkulator Risiko” untuk karyawan koperasi di lingkunganKecamatan Pecangaan, Jepara. Metode pelakanaan pengabdian terdiri dari sosialisasi penyusunan“Kalkulator Risiko”, pelatihan Analisa pembiayaan, simulasi dan pelatihan penggunaanKalkulator Risiko serta monitoring dan evaluasi. “Kalkulator Risiko” memiliki kriteria dan bobotyang dapat dipilih sesuai dengan karakteristik nasabah. Output dari “Kalkulator Risiko” adalahlembar persetujuan yang memuat skor calon nasabah dalam 3 kategori yaitu ditolak (skor < 300),direkomendasikan (300 – 350), dan diterima (skor > 350). Kalkulator Risiko cukup potensialuntuk digunakan pada lembaga keuangan mikro sejenis, namun perlu melakukan penyesuaiandengan karakteristik masing-masing lembaga. Hasil dari program pengabdian ini adalah melaluiKalkulator Resiko maka mitra mampu melakukan analisa pembiayaan dengan objektif dariberhati-hati.References
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