<![CDATA[Abstract. The purpose of the research was to analyze risk mitigation and resolution of problem financing in PT. ETHIS Fintek Indonesia. Research methods used qualitative empirical juridical approaches. The type of case study research and data sources used primary and secondary data sources supplemented primary, secondary, and tertiary legal materials. Structured methods of collecting interview data, library studies, and documentation. The results of the study concluded that the risk mitigation applied by PT. ETHIS Fintek Indonesia takes the form of portfolio verification, profile review, risk analysis, monitoring and strengthening guarantees. The resolution of problematic financing is carried out by maintaining communication with the funders and recipients of funds, issuing warning letters, conducting invitations for consultations to find solutions, restructuring, disbursement of guarantees, and taking legal action if necessary. Based on the analysis of POJK Number 31/POJK.05/2014, overall risk mitigation is appropriate, but with regard to the billing deadline, it is not yet firm and consistent, resulting in a delay in resolving problematic financing. Abstrak. Tujuan penelitian untuk menganalisis mitigasi risiko dan penyelesaian pembiayaan bermasalah di PT. ETHIS Fintek Indonesia. Metode penelitian yang digunakan kualitatif pendekatan yuridis empiris. Jenis penelitian studi kasus dan sumber data yang digunakan sumber data primer dan sekunder dilengkapi bahan hukum primer, sekunder, dan tersier. Metode pengumpulan data wawancara secara terstuktur, studi pustaka, dan dokumentasi. Hasil penelitian menyimpulkan bahwa mitigasi risiko yang diterapkan PT. ETHIS Fintek Indonesia berupa verifikasi portfolio, tinjau profil, analisis risiko, melakukan pengawasan serta memperkuat jaminan. Penyelesaian pembiayaan bermasalah dilakukan dengan menjaga komunikasi kepada pemberi dana maupun penerima dana, mengeluarkan surat peringatan, melakukan undangan musyawarah guna mencari solusi, melakukan restrukturisasi, pencairan jaminan, dan mengambil tindakan hukum jika diperlukan. Berdasarkan analisis POJK Nomor 31/POJK.05/2014 mitigasi risiko secara keseluruhan sudah sesuai akan tetapi berkaitan dengan tenggang waktu penagihan dinilai belum tegas dan konsisten sehingga berakibat pada terhambatnya penyelesaian pembiayaan bermasalah.]]>
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