<![CDATA[Purpose–This study aims to analyze the mitigation of non-performing financing risk in the People’s Business Credit (KUR) program at Bank Negara Indonesia (BNI) Sengeti Branch Office and to identify the obstacles encountered in its implementation. Design/methodology–This study employed a qualitative descriptive approach. Informants were selected using purposive sampling and consisted of two key informants, namely the Business Team Leader of BNI Sengeti Branch Office and one KUR debtor. Data were collected through interviews, observation, and documentation. The data were analyzed using the Miles and Huberman interactive analysis model, which includes data reduction, data display, and conclusion drawing. Findings- The results indicate that risk mitigation of non-performing financing is conducted through debtor feasibility assessment, field surveys, monitoring of financing utilization, debtor guidance, and financing restructuring. A distinctive finding of this study is that risk mitigation at BNI Sengeti relies heavily on direct field observation and continuous monitoring because most KUR debtors do not maintain adequate financial records. In addition, the majority of debtors operate in the agricultural and plantation sectors, making financing performance highly vulnerable to commodity price fluctuations and weather conditions. The study also found that some debtors perceive KUR as a government assistance program, which may reduce payment discipline and increase the risk of moral hazard. The main obstacles faced in risk mitigation include low financial literacy, weak business administration, misuse of financing funds, and unstable economic conditions affecting debtors’ business performance]]>
