Erlangga, Aga Bayu (2018) Evaluasi Penerapan Manajemen Risiko Pada Pengelolaan Kredit Guna Meminimalisir Risiko Kredit. Sarjana thesis, Universitas Brawijaya.
Abstract
Banyak sekali resiko yang dihadapi oleh perusahaan, terutama perusahaan yang bergerak di bidang keuangan dan perbankan pastinya berhubungan dengan banyak konsumen atau pihak-pihak yang berkepentingan dan hal tersebut menimbulkan berbagai risiko baik risiko yang timbul dari kinerja internal perusahaan maupun pengaruh lingkungan eksternal perusahaan, Atau kemungkinan resiko yang timbul dari kedua faktor tersebut. Penelitian ini dilaksanakan pada PT. BPR Wlingi Pahala Pakto Adapun jenis penelitian adalah penelitian kualitatif, dengan menggunakan metode deskriptif. Fokus penelitian ini adalah risiko-risiko kredit dan proses manajemen risiko. Hasil penelitian menunjukkan bahwa PT. BPR Wlingi Pahala pakto telah melaksanakan Manajemen Risiko berdasar 4 pilar Manajemen risiko sesuai aturan Otoritas Jasa Keuangan. Pengidentifikasian risiko kredit pada PT.BPR Wlingi Pahala Pakto sedikit memiliki kelemahan jika nasabah yang akan mengajukan kredit memiliki tanggungan kredit di Koperasi tidak dapat dilacak dalam Sistem Informasi Debitur dan perlu kejujuran serta komunikasi yang baik antara nasabah dengan Account Officer. PT.BPR Wlingi pahala pakto sebaiknya melakukan analisis kredit harus berhati-hati dimana Account Officer harus lebih jeli dan teliti dalam menggali informasi calon nasabah terutama analisanya harus sesuai dan mendetail berdasarkan prinsip 6C yang ada dalam SOP perusahaan, sehingga risiko yang timbul dapat diminimalisir
English Abstract
Many of the risks faced by companies, especially companies engaged in the field of finance and banking certainly related to many consumers or parties concerned and it raises a variety of risks both risks arising from the internal performance of the company and the influence of the external environment of the company, Or the possibility risks arising from both factors. This research was conducted at PT. BPR Wlingi Pahala Pakto The type of research is qualitative research, using descriptive method. The focus of this research are credit risks and risk management process. The results showed that PT. BPR Wlingi Pahala pakto has been implementing Risk Management following 4 pillar of risk managementthat followed otoritas Jasa Keuangan. The identification of credit risk at PT.BPR Wlingi Pahala Pakto has little disadvantage if the customer who will apply for credit has a credit dependent on the Cooperative can not be traced in Debtor Information System and need honesty and good communication between customer with Account Officer .. PT.BPR Wlingi Pahala Pakto in the credit analysis should be careful where the Account Officer must be more observant and thorough in digging information prospective customers, especially the analysis should be appropriate and detailed based on the principle of 6C that exist in the company's SOP, so the risks that arise can be minimized
| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | SKR/FIA/2018/64/051802222 |
| Subjects: | 300 Social sciences > 332 Financial economics > 332.7 Credit |
| Divisions: | Fakultas Ilmu Administrasi > Ilmu Administrasi Bisnis / Niaga |
| Depositing User: | Yusuf Dwi N. |
| Date Deposited: | 18 Apr 2018 08:19 |
| Last Modified: | 26 Oct 2021 05:29 |
| URI: | http://repository.ub.ac.id/id/eprint/9587 |
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