The Government of the Republic of Indonesia established PT Permodalan Nasional Madani (Persero) in 1999 as a financing institution for medium, small and micro businesses. One of the PNM business units is Mekaar (Fostering a Prosperous Family Economy), which is financing for underprivileged mothers who are combined in one group. There is no guarantee in this financing. However, a system called joint responsibility system is enforced. This system requires group members to bear installments from other members who do not pay installments. This research was conducted with the aim of finding out how the effect of implementing a joint responsibility system in minimizing the risk of non-performing loans or what is commonly called NPL. The type of research used in this research is qualitative research. The object of the study was the performance of PNM Mekaar Regional Bekasi for the period January - March 2022. The research was conducted using interviews, observation and documentation. The results showed that the joint responsibility system was effective in reducing the NPL ratio in the Bekasi Region.

Keywords : Joint responsibility, NPL Ratio, PNM Mekaar, Ultra Micro.