RESTRUCTURING POLICY IMPLEMENTATION MODEL BANKING CREDIT TO MSMEs DURING THE COVID 19 PANDEMIC

Abstract

The aim of this article is to apply the theory of policy implementation, especially banking credit restructuring to MSMEs in the Covid-19 era, to analyze the relationships and factors that support and inhibit the implementation of bank credit restructuring policies to MSMEs in the Covid-19 era and to provide input and recommendations. regarding the new model of banking credit restructuring policy for MSMEs to the Government, Financial and Banking Services Authority. This research case study was at BRI KCU Palembang A Rivai, Palembang City. The discussion of this article is based on a phenomenon that is happening now where almost all banking institutions are doing it credit restructuring in the MSME sector during the corona covid 19 pandemic. Results of The discussion in this article explains that credit restructuring affects banking performance which can maintain profits through PPAP and restructuring costs credit can reduce non-performing loans (NPL).