Pengembangan Aplikasi “Note NonPerforming Financing”: Monitoring Pembiayaan Bermasalah di KSPPS BTM Pekalongan

Abstract

The Sharia Savings and Loans and Financing Cooperative (KSPPS) BTM Pekalongan as a sharia microfinance institution faces the risk of non-performing financing (NPF) which can have a negative impact on its business continuity. This study aims to examine how the development of the Note Non-Performing Financing application as a monitoring of non-performing financing in KSPPS BTM Pekalongan. This research is an exploratory descriptive study using a qualitative research approach. This research is also a research and development research with ADDIE approach model. This research is a combination of field research supported by library research. Sources of data used in the study consisted of primary data sources and secondary data sources. The analysis technique used in this study uses content analysis which will be studied further in a group discussion forum. The results showed that the Non-Performing Financing Note Application at KSPPS BTM Pekalongan is an application in the form of a website-based information system that provides accurate and integrated NPF data at KSPSS BTM Pekalongan. This application has many functions, the main of which is to monitor (supervision) non-performing financing in KSPPS BTM Pekalongan. Later, the monitoring results can be followed up in accordance with the risk management SOP that has been set by KSPPS BTM Pekalongan. This application is expected to minimize the risk caused by non-performing financing at KSPPS BTM Pekalongan.