PERAN DAN STRATEGI ACCOUNT OFFICER DALAM MEMINIMALISIR RISIKO PEMBIAYAAN BERMASALAH PADA PT BPRS AMANAH UMMAH CABANG BOGOR

Abstrak

Penelitian kualitatif deskriptif ini bertujuan menganalisis peran Account Officer (AO) dalam pengelolaan pembiayaan, mitigasi risiko, serta pengawasan dan penanganan pembiayaan bermasalah di PT BPRS Amanah Ummah Cabang Bogor, yang dilatarbelakangi oleh kecenderungan kenaikan rasio Non-Performing Financing (NPF) meskipun masih dalam kategori sehat. Data diperoleh melalui observasi, studi dokumentasi, dan wawancara mendalam bersama AO serta staf remedial, yang diuji keabsahannya via triangulasi sumber dan metode, lalu dianalisis menggunakan model Miles dan Huberman. Hasil penelitian menunjukkan bahwa peran AO sangat komprehensif mulai dari analisis kelayakan berbasis prinsip 5C (Character, Capacity, Capital, Collateral, dan Condition of Economy) hingga pengawasan pasca-pencairan dengan strategi preventif yang mengandalkan verifikasi mendalam, survei lapangan, serta pemantauan rutin lewat kunjungan langsung dan media digital. Jika timbul indikasi pembiayaan bermasalah, penanganan dini dilakukan melalui pendekatan persuasif dan opsi restrukturisasi, sehingga disimpulkan bahwa efektivitas AO dalam menekan risiko pembiayaan tidak hanya ditentukan oleh kehati-hatian analisis awal, tetapi juga oleh konsistensi monitoring dan kualitas komunikasi dengan nasabah.

This descriptive qualitative study aims to analyze the role of Account Officers (AO) in financing management, risk mitigation strategies, and the monitoring and handling of non-performing financing at PT BPRS Amanah Ummah Bogor Branch. The study was prompted by a trend of increasing Non-Performing Financing (NPF) ratios over time, despite remaining within a healthy threshold. Data were collected through observations, documentary studies, and in-depth interviews with Account Officers and remedial staff. The validity of the data was tested using source and method triangulation, while data analysis followed the Miles and Huberman model (data reduction, data display, and conclusion drawing). The results indicate that the Account Officer's role is comprehensive—encompassing candidate identification, creditworthiness analysis based on the 5C principles (Character, Capacity, Capital, Collateral, and Condition of Economy), financing proposal submission, and post-disbursement monitoring. Preventive strategies are optimized through in-depth data verification, field surveys, and persuasive communication. Regular monitoring is conducted via direct visits, digital communication, and tracking customer business progress, with persuasive approaches and restructuring options applied as early intervention measures when indications of non-performing financing arise. Ultimately, the study concludes that an Account Officer's effectiveness in minimizing non-performing financing relies not only on rigorous initial analysis but also on consistent monitoring and the quality of communication maintained with customers.