Selection of Sharia Rural Financing Bank Financing During Covid-19 Pandemic

Abstract

This research discusses the selection of financing submissions for BPRS Magetan customers in the covid19 pandemic situation. This study aims to determine the criteria for obtaining financing and how BPRS Magetan policy suppresses high financing applications amid the covid-19 pandemic. This study used a descriptive qualitative method by collecting data through in-depth interviews with 14 respondents from BPRS and financing customers. This research stated that BPRS Magetan emphasized analysis in selecting customer members' financing with the 5C method (character, capacity, condition, capital, collateral) and BI Central Bank Financing Check. BPRS emphasizes selection analysis in customer human resources, customer creativity, and customer innovation to develop its business. BPRS Magetan is expected to provide leeway by giving a more extended time and simplifying the disbursement process during the covid-19 pandemic in the form of collateral relief.