Andrianto, Yanuar (2013) Implementasi Kebijakan Perkreditan Dan Pengelolaan Risiko Kredit Modal Kerja Dan Kredit Investasi Pt Bank X Di Malang Raya. Magister thesis, Universitas Brawijaya.
Abstract
Studi ini bertujuan untuk menganalisis implementasi kebijakan kredit modal kerja (KMK) dan kredit investasi (KI), serta pengelolaan risiko dan pengawasan kredit. Pendekatan kualitatif digunakan untuk melakukan penelusuran secara mendalam pada Kantor Wilayah dan Kantor Cabang PT Bank X di Malang Raya. Penetapan lokasi dan informan menggunakan teknik purposive. Penggalian data utama dilakukan dengan in-depth interview terhadap 12 informan yang terdiri dari pelaksana kredit, pelaksana administrasi kredit, pelaksana analisis risiko, pejabat kredit, dan pihak Bank Indonesia tahun 2012. Data dianalisis menggunakan analisis isi (content analysis). Prinsip kehati-hatian aktivitas bank diimplementasikan pada prinsip pokok pemberian kredit, tata cara penilaian kualitas kredit, serta profesionalisme dan integritas pejabat perkreditan. Proses pengelolaan risiko bertujuan untuk mendapatkan kejelasan informasi (symmetric information) profil risiko debitur. Pendekatan preventif dilakukan dengan pengenalan dini (early warning signs) risiko kredit, dan pendekatan represif dilakukan untuk meminimalisasi kerugian. Penyelesaian kredit bermasalah didasarkan pada; penilaian iktikad baik dan prospek usaha debitur, karena menjamin kemampuan debitur dalam memenuhi kewajibannya (repayment capacity). Kredit bermasalah umumnya disebabkan oleh kemampuan debitur dalam berbisnis rendah dan penyalahgunaan tujuan kredit. Rendahnya pengalaman pelaksana kredit, dapat menjadi salah satu penyebab rendahnya kualitas analisis dan pengawasan kredit yang dapat menimbulkan kredit bermasalah. Ekspansi kredit yang sehat harus ditunjang SDM yang berkompetensi dan berintegritas, sehingga proses penyaluran kredit di masyarakat tercapai sesuai tujuan. Studi selanjutnya disarankan untuk menambah jumlah bank yang diteliti, agar mampu menggambarkan aktivitas perbankan secara umum dan atau tujuan generalisasi di Malang Raya. Selain itu, perlu mempertajam kriteria informan, yaitu melibatkan direksi dan komisaris bank sebagai top management, sehingga data yang diperoleh lebih mendalam.
English Abstract
The objective of this study is to analyze the implementation of lending policy for working capital loan and investment loan as well as risk management and loan supervision. Qualitative approach was used for the deep exploration into the regional and branch offices of PT Bank X in Malang Raya. The research locations and informants were determined using purposive technique. The main data was harvested through in-depth interviews with 12 informants consisting of loan executives, loan administrators, risk analysts, loan officers, and Bank Indonesia‟s representatives in 2012. The data was analyzed using content analysis. The carefulness principles of banking activities are implemented in the core principles of loan provision, loan quality assessment procedures, and the professionality and integrity of loan officers. The risk management process aims at obtaining symmetric information regarding debtor‟s risk profile. Preventive approach is conducted by identifying the early warning signs for loan risks, and repressive approach is taken to minimize losses. Non-performing loan resolution is held based on goodwill assessment and debtor‟s business prospect because they guarantee debtor‟s repayment capacity. Non-performing loan is generally caused by debtor‟s low business capability and loan misuse. The low experience of loan executives contributes to poor analysis quality and loan supervision, which causes non-performing loans. A healthy loan expansion must be supported by human resource of competence and integrity, so loans are purposively channeled to the community. Next studies are suggested to increase the number of sample banks in order to generalize the result for Malang Raya region. Furthermore, the criteria of informant need to be sharpened, which is by involving bank directors and commissioners as top management, in order to enhance the data.
| Item Type: | Thesis (Magister) |
|---|---|
| Identification Number: | TES/332.7/AND/i/2013/041909729 |
| Uncontrolled Keywords: | CREDIT, BANK LOANS |
| Subjects: | 300 Social sciences > 332 Financial economics > 332.7 Credit |
| Divisions: | S2/S3 > Magister Manajemen, Fakultas Ekonomi dan Bisnis |
| Depositing User: | Endang Susworini |
| Date Deposited: | 12 Nov 2019 04:15 |
| Last Modified: | 12 Nov 2019 04:15 |
| URI: | http://repository.ub.ac.id/id/eprint/175353 |
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