ABSTRACT
This study aims to design and build a repayment capacity-based non-performing loan mitigation model to minimize the occurrence of bad loans for women's cooperatives. This study involved 30 women's cooperatives in East Java from the districts of Blitar, Tulungagung, and Pacitan. The research phase begins with a preliminary study that needs analysis in the preparation of the model. The second stage begins by planning a model framework and then developing a bad credit mitigation model based on payment capacity. Activities carried out in the third stage include expert validity testing and model feasibility testing by users. It is hoped that this repayment capacity-based non-performing loan mitigation model can be a reference for women's cooperatives in providing credit to members and prospective members. In addition, it is expected to minimize the occurrence of bad loans and improve financial performance for women's cooperatives in East Java.
