MODELING OF FAILED RISK FACTORS AFFECTING ON NON PERFORMING LOAN TO MSME’S IN PANDEMIC COVID-19

The contribution of Micro, Small, and Medium Enterprises (MSME) performance has a strategic role as buffer for the national economy. economic crisis that hit Indonesia several times, including during COVID-19 pandemic, MSME sector, so sector is no longer able to repay its loans. Even though at time was working fix classic problems hampered it performance. Departing from this phenomenon, study examines results previous studies map five exogenous variables, namely debt character factors, financial management operational factors well market marketing explanatory variables allegedly cause MSMEs experience risk failing pay credit which an impact on poor NPL. SEM analysis data 125 in Semarang City affected by showed high default experienced caused then increasing NPL ratio.