Development Strategy For Micro Small Business (Umk) During The Covid-19 Pandemic In Maluku Province

This research was conducted based on the reality of problem, where economic activity in SMEs is a threatened position due to COVID-19 pandemic. study aims analyze internal and external sides SMEs, measure financial stability lending banks, whether credit provision has been efficient or not improving banking performance for SMEs. In addition, strategic policy measures are taken through roadmap developing competitive sustainable The method used survey method. data obtained were processed principles descriptive statistics, namely analysis Non Performing Loans (NPL) determine ratio NPL average NPL. time period needs 2019 2020. results SWOT analysis, (NPL), effectiveness efficiency, indicate that banks have effective disbursing credit. be concern by providing easy administrative requirements proposing credit, so can business capital development On other hand, calculation below 5%, this shows healthy performance, meaning there no bad loans, as result relaxation stimulus from Government when experience chaotic situation Furthermore, 5-year plan carried out, 2020-2025, with goal planning being e-commerce.