ELIMINATION OF NON-PERFORMING LOANS IN MSMEs: DEVELOPMENT AND NATIONAL ECONOMIC STABILITY

Triyono Adi Saputro, Alvina Mutiasari

Abstract


Micro, Small, and Medium Enterprises (MSMEs) play an important role in Indonesia's economic development, as evidenced by their resilience in facing economic crises and significant contribution to Gross Domestic Product and employment. However, MSMEs often find it difficult to access bank financing due to strict requirements and lack of understanding, despite having viable business prospects. This research examines the ideal efforts to achieve national economic stability through a bad debt write-off program for MSMEs. The research method used is normative law with a case and concept approach. The data collection technique uses literature study and is processed with a qualitative descriptive analysis method. The results showed that the bad credit write-off policy can not only ease the burden on MSMEs and smooth economic turnover but selectively support MSMEs with better business prospects and high competitiveness. Debt restructuring is also one of the efforts to resolve bad debts that can be used as an alternative. The elimination of bad debts on MSMEs directly promotes national economic development by restoring the capacity of MSMEs. The impact is more inclusive economic growth and reduced inequality, as MSMEs are the main drivers of the people's economy. 

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DOI: https://doi.org/10.24815/sklj.v9i2.51765

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