Analisis Penerapan Manajemen Risiko Kredit Terhadap Tingkat Non Perfoming Loan (NPL) Pada Bank X
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Institusion
STIE Indonesia Banking School
Author
Ekamulyannisa, Herinda
Subject
HD28 Management. Industrial Management
Datestamp
2024-06-27 07:47:41
Abstract :
As organizations of public trust, banks have to apply prudential banking principle. When banks do not apply prudential banking principle properly, it will create of the impacts that lead to non perfoming loan (NPL). If non perfoming loan (NPL) of a bank is continuing to increase, the bank will face up a trouble, the instance is in 1997, when banks were getting collapse. To avoid the similar bad experience, the banks together with Government and Central Bank of Indonesia change to be more prudent to run their activities. Because the main source of bank revenue derive from the interest, so the credit risk is becoming prime focus of the banks to manage. The purpose of this research is to ensure the application of risk management may decrease non perfoming loan in Bank X. Prior to the implementation of Central Bank of Indonesia regulation on risk management, the Bank X has already implemented the risk management internally. The Bank X is then adapted into the regulation released by Central Bank of Indonesia. As a result, non perfoming loan?s level of Bank X decreased from 2003 until 2008 in general. That result proved implementation of credit risk management of Bank X has been applied appropriately in line with its function that led to the decline of non perfoming loan (NPL). Keywords: credit risk, risk management, non perfoming loan, and Central Bank of Indonesia regulations.
As organizations of public trust, banks have to apply prudential banking principle. When banks do not apply prudential banking principle properly, it will create of the impacts that lead to non perfoming loan (NPL). If non perfoming loan (NPL) of a bank is continuing to increase, the bank will face up a trouble, the instance is in 1997, when banks were getting collapse. To avoid the similar bad experience, the banks together with Government and Central Bank of Indonesia change to be more prudent to run their activities. Because the main source of bank revenue derive from the interest, so the credit risk is becoming prime focus of the banks to manage. The purpose of this research is to ensure the application of risk management may decrease non perfoming loan in Bank X. Prior to the implementation of Central Bank of Indonesia regulation on risk management, the Bank X has already implemented the risk management internally. The Bank X is then adapted into the regulation released by Central Bank of Indonesia. As a result, non perfoming loan?s level of Bank X decreased from 2003 until 2008 in general. That result proved implementation of credit risk management of Bank X has been applied appropriately in line with its function that led to the decline of non perfoming loan (NPL). Keywords: credit risk, risk management, non perfoming loan, and Central Bank of Indonesia regulations.
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