Strategi Manajemen Risiko Kredit BRI dalam Mendukung Program Pemulihan Ekonomi Nasional pada Covid-19

The Covid-19 pandemic significantly affected national economic stability, particularly the banking sector, which faced rising credit risk as debtors’ ability to meet payment obligations declined. Bank Rakyat Indonesia (BRI), as a state-owned bank focused on financing micro, small, and medium enterprises (MSMEs), is required to maintain credit quality while supporting the National Economic Recovery (PEN) Program. This study aims to analyze BRI’s credit risk management strategies in supporting national economic recovery and to examine its efforts to empower MSMEs during the pandemic. This research uses a descriptive qualitative method, with data collected from relevant sources such as articles, ebooks, journals, magazines, newspapers, and other documents. The findings show that BRI supported government recovery programs through several mechanisms, including credit restructuring for Covid-19-affected debtors, MSME credit distribution, interest subsidy stimulus, government-guaranteed MSME financing, People’s Business Credit (KUR), BPUM assistance, and wage subsidy distribution. In addition, BRI empowered MSMEs through programs such as UMKM Export Brilianpreneur 2020, BRIncubator, Desa BRILian, Pengusaha Muda BRILian, and Rumah BUMN. It can be concluded that BRI helped the government support economic recovery by distributing assistance and strengthening MSME empowerment to ensure business continuity during the pandemic.