This research aims to analyze how Amartha Microfinance organizes its credit, human resources factors, and customers that affect loan performance as well as to analyze the level of financial health and forecasting. This research used qualitative method including interview, factor analysis, ratio analysis, trend analysis and forecasting. The results show that the key factors on credit organizations are the community-making system that is chosen personally by its members, back-up funding system that is always well-run, attendance discipline, and zero tollerant paying. Human resources factors affecting performing loan were moral hazards and morale hazards, with 75.1% respectively, while the customer factors that influence performing loan were capital aspects amounting to 64.3%, capacity aspects 52.2% and of character aspects 50.2%. Liquidity and solvency ratios were at a healthy condition, and forecasting liquidity and solvency ratios tend to decrease. ABSTRAKPenelitian ini bertujuan untuk menganalisis pengelolaan kredit, faktor-faktor sumberdaya manusia (SDM) dan nasabah yang memengaruhi kelancaran kredit serta menganalisis tingkat kesehatan dan peramalan keuangan Amartha Microfinance. Metode analisis data penelitian ini menggunakan metode kualitatif dengan teknik wawancara serta analisis faktor, analisis rasio, analisis tren dan peramalan. Hasil penelitian menunjukkan kunci utama pengelolaan penyaluran kredit adalah proses pembentukan kelompok yang dilakukan sendiri oleh anggota, sistem tanggung renteng selalu berjalan, disiplin kehadiran dan angsuran zero tollerant. Faktor SDM yang memengaruhi kelancaran kredit adalah aspek moral hazards dan morale hazards masing-masing sebesar 75,1%, sedangkan faktor anggota kelompok nasabah yang memengaruhi kelancaran kredit adalah aspek capital sebesar 64,3%, aspek capacity 52,2% dan aspek character 50,2%. Rasio likuiditas dan solvabilitas berada pada kondisi sehat, peramalan rasio likuiditas dan solvabilitas cenderung menurun. Kata kunci: kelancaran kredit, kesehatan keuangan, lembaga keuangan mikro.