Analisis Kelayakan Penyaluran Kredit Usaha Mikro Pada Bank BRI Unit Paccerakkang - Alferos Buntubarana; Muhammad Idris; Muhlis Ruslan (Program Studi Manajemen Universitas Bosowa, 2026)
Penelitian ini bertujuan untuk menganalisis kelayakan penyaluran Kredit Usaha Rakyat Mikro pada Bank BRI Unit Paccerakkang melalui penerapan prinsip analisis pembiayaan yang digunakan dalam menentukan kelayakan calon debitur usaha mikro. Penyaluran pembiayaan usaha mikro menjadi bagian penting dalam mendukung pertumbuhan ekonomi masyarakat karena akses modal usaha memiliki hubungan langsung dengan perkembangan usaha produktif dan peningkatan kesejahteraan pelaku usaha mikro. Aktivitas pembiayaan yang dilakukan lembaga perbankan tidak hanya berfungsi sebagai penyedia modal usaha, tetapi juga menjadi instrumen penting dalam menjaga stabilitas ekonomi masyarakat dan meningkatkan produktivitas usaha kecil. Penelitian ini menggunakan pendekatan deskriptif kualitatif dengan teknik pengumpulan data melalui observasi, wawancara, dan dokumentasi pada Bank BRI Unit Paccerakkang Makassar. Analisis penelitian dilakukan terhadap penerapan prinsip 5C yang terdiri atas character, capacity, capital, collateral, dan condition of economy dalam proses penyaluran Kredit Usaha Rakyat Mikro kepada nasabah usaha mikro. Hasil penelitian menunjukkan bahwa prosedur penyaluran Kredit Usaha Rakyat Mikro dilakukan melalui tahapan pengajuan pembiayaan, analisis kelayakan, pemberian keputusan pembiayaan, pencairan dana, serta monitoring pembiayaan pasca pencairan kredit. Analisis character dilakukan melalui pemeriksaan riwayat pembayaran dan integritas calon debitur, sedangkan analisis capacity dilakukan menggunakan rasio keuangan seperti Gross Profit Margin, Installment to Disposable Income Ratio, dan Debt Service Ratio untuk mengetahui kemampuan pembayaran angsuran nasabah. Analisis capital, collateral, dan condition of economy menunjukkan bahwa perkembangan usaha, nilai jaminan, serta kondisi ekonomi usaha memiliki pengaruh penting dalam menentukan keputusan pembiayaan pada Bank BRI Unit Paccerakkang. Sistem pengawasan pembiayaan yang dilakukan secara langsung membantu pihak bank menjaga kualitas pembiayaan dan meminimalisir risiko kredit bermasalah pada penyaluran Kredit Usaha Rakyat Mikro. This study aims to analyze the feasibility of distributing Micro Business Credit at BRI Bank Paccerakkang Unit through the implementation of financing analysis principles used in determining the eligibility of prospective micro business debtors. The distribution of micro business financing has become an important aspect in supporting community economic growth because access to business capital is directly related to the development of productive businesses and the improvement of micro entrepreneurs’ welfare. Financing activities carried out by banking institutions not only function as providers of business capital, but also become important instruments in maintaining community economic stability and increasing the productivity of small businesses. This study employed a descriptive qualitative approach with data collection techniques conducted through observation, interviews, and documentation at BRI Bank Paccerakkang Unit Makassar. The analysis focused on the implementation of the 5C principles consisting of character, capacity, capital, collateral, and condition of economy in the process of distributing Micro Business Credit to micro business customers. The results showed that the procedure for distributing Micro Business Credit was carried out through financing applications, feasibility analysis, financing decision-making, fund disbursement, and post-disbursement financing monitoring. Character analysis was conducted through the examination of payment history and debtor integrity, while capacity analysis was performed using financial ratios such as Gross Profit Margin, Installment to Disposable Income Ratio, and Debt Service Ratio to determine customers’ installment payment ability. Capital, collateral, and condition of economy analyses indicated that business development, collateral value, and business economic conditions had important influences in determining financing decisions at BRI Bank Paccerakkang Unit. Direct financing supervision systems helped the bank maintain financing quality and minimize the risk of non-performing loans in the distribution of Micro Business Credit.