Risk Control Loan Keluarga Berpendapatan Rendah Paska Pandemi
Keywords:
Risk Control, Lending, ROA, ROE, Post-Covid-19 PandemicAbstract
This study aims to analyze the Risk Control system in providing loans to low-income families on the island of Java, as
well as seeing a comparison of financial performance during the covid-19 pandemic and post-covid-19 pandemic at
PT. Mitra Bisnis Keluarga the Pondok Gede Branch. The data used in this study are data that obtained from
observations, interviews and surveys. This study uses a Mixed method and data analysis using descriptive analysis
method. The results of observations and interviews show that the application of a risk control system in providing
loans to PT. Mitra Bisnis Keluarga the Pondok Gede Branch is running well and effectively, in terms of employees
who have carried out their duties and authorities in accordance with existing procedures and policies at the company
in the lending process and no loans were found jammed. This is due to the existence of data monitoring in the lending
process carried out by the principal branch and regional assistant managers and supervisors who help the head
branch in supervising the loan process. Financial performance of PT.Mitra Bisnis Keluarga the Pondok Gede Branch
is quite volatile. This can be seen from the ROA and ROE values which have increased and decreased from the
Covid-19 pandemic to the post-Covid-19 pandemic. Average ROA during the post-Covid-19 pandemic by 0.89%, an
increase of 0,54% compared to ROA during the covid-19 pandemic, which was 0.35%. This shows the effectiveness of
management sound management investment. Average ROE during post-pandemic Covid-19 by 5.35% and during the
pandemic covid-19 by 1.81% which describes an increase the company's annual profit from the unhealthy status of
the covid-19 pandemic increased 3.54% with the post-covid-19 pandemic increasing its status to quite healthy
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