<![CDATA[This study aims to examine the implementation of Good Corporate Governance (GCG) and an internal control system based on the 5C + 1S creditworthiness principles in mitigating non-performing financing and reputational risks at BPRS Unawi Barokah. Operational vulnerabilities, errors in financing analysis, human errors, and potential internal fraud pose significant financial losses and threaten public trust in Islamic microfinance institutions. Using a descriptive qualitative approach with a case study design, this research thoroughly analyzes operational mechanisms, multi-service financing approval procedures, crisis management strategies, and digital technology risk controls. Data were collected through field observations, structured interviews with key operational and supervisory personnel, and internal document reviews, including monthly monitoring lists and financing analysis memorandums. The results indicate that integrating a rigorous 6-step 5C + 1S evaluation process incorporating SLIK OJK checks and Sharia compliance effectively filters high-risk applicants. Furthermore, proactive administrative monitoring, persuasive warning protocols, flexible restructuring options, strict auditing, and a centralized IT system with least-privilege access successfully reduce non performing financing and internal fraud. Combining robust internal GCG controls with an empathetic, human-centric service approach enables BPRS Unawi Barokah to safeguard financial stability, protect corporate reputation, and maintain long-term public trust.]]>
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