Team Decision Making in Resolution of Problem Financing Through Auction at Micro Capital Service Unit PT. Permodalan Nasional Madani Palembang Branch

Team decision-making in resolving problematic financing at the Micro Capital Service Unit (ULaMM) of PT Permodalan Nasional Madani (PNM) Palembang Branch, especially through the auction process. The research adopts a qualitative approach with a case study design. This study identifies the problems faced by the team in managing problematic financing (Non-Performing Loans/NPL) and presents innovative solutions implemented to overcome these obstacles. Through the Creative Problem Solving (CPS) approach, this study compiles six stages of decision-making including goal setting, data collection, problem identification, idea generation, solution search, and decision acceptance. The findings reveal that the decision-making process follows six stages based on Van Gundy's (1987) Creative Problem Solving (CPS) model: objective-finding, fact-finding, problem-finding, idea-finding, solution-finding, and acceptance-finding. That clear goal setting and a structured auction strategy have succeeded in increasing the recovery of problematic assets, reducing NPLs, and building market confidence. By achieving 156.49% of the RKAP target and recording the highest auction completion percentage in the Sumatra region in the final semester of 2023, these findings provide an important contribution to PNM and related stakeholders in the context of managing problematic financing and effective decision-making. This study is expected to provide a reference for further studies on problematic financing resolution methods in financial institutions