Analysis Management Risks in Financing Sharia Peer To Peer Lending in Pressing Non-Performing Financing (NPF) at PT Ethis Indonesian Fintech

The main objective of this research is to analyze the financing procedures, risks and risk management of sharia peer-to-peer lending financing in reducing problematic financing at PT. Ethis Fintek Indonesia. This research uses descriptive-qualitative methods with primary and secondary data sources. Data collection techniques are carried out through observation, interviews and documentation, while data analysis includes data reduction, presentation and drawing conclusions. PT. Ethical Fintek Indonesia implements crowdfunding using purchase order financing (POF). contract musyarakah, murabahah, wakalah bil-ujrah, and wakalah. Identified risks covers delay payment, failed pay, incident not unpredictability, force majeure, security, and risk compliance. To mitigate this risk, the company uses 5C principles, security measures, project evaluation, monitoring, and collaboration with insurance institutions. This research provides new insights into sharia peer-to-peer lending practices and risk management strategies, increasing knowledge about sharia P2P financing fintech in Indonesia.