Analisis Pengaruh Penerapan Manajemen Risiko Kredit Mikro Terhadap Tingkat Non Performing Loan (NPL) PT Bank Rakyat Indonesia
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Institusion
STIE Indonesia Banking School
Author
Wijaksono, Arif
Subject
HF5601 Accounting
Datestamp
2020-09-01 06:24:18
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, it will face up a trouble, for instance in 1997 crisis, when banks were getting collapse. To avoid the similar bad experience, the banks together with Government and Central Bank of Indonesia should 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 that the application of risk management will improve perfoming loan in BRI. Prior to the implementation of Central Bank of Indonesia regulation on risk management, the BRI has already implemented the risk management internally. The BRI is then adapted into the regulation released by Central Bank of Indonesia. As a result,non perfoming loan?s level of BRI decreased in 2008. That result proved implementation of credit risk management of BRI 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 regulation of Bank Indonesia
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, it will face up a trouble, for instance in 1997 crisis, when banks were getting collapse. To avoid the similar bad experience, the banks together with Government and Central Bank of Indonesia should 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 that the application of risk management will improve perfoming loan in BRI. Prior to the implementation of Central Bank of Indonesia regulation on risk management, the BRI has already implemented the risk management internally. The BRI is then adapted into the regulation released by Central Bank of Indonesia. As a result,non perfoming loan?s level of BRI decreased in 2008. That result proved implementation of credit risk management of BRI 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 regulation of Bank Indonesia
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