Keywords
Kredit macet
Kredit
How to Cite
Abstract
The research entitled “Analysis of Risk Management in Reducing Bad Loans at Bank BTPN Syariah” aims to analyze the risk management implemented at Bank BTPN Syariah. The method used in this research is the qualitative method. The data sources used are primary data obtained directly from field research and secondary data, namely data or knowledge obtained through library research, writing articles, journals, trusted internet sites, and other data sources. Based on the research results, the researcher can conclude that the credit risk management implemented at Bank BTPN Syariah is carried out in two stages, namely: 1) The stage of risk identification and risk management. Identification of bad credit risk starts with prospective customers submitting financing applications, due diligence through surveys and interviews that adhere to the 5C principles (Character, Capacity, Capital, Collateral, and Condition) as well as customer maintenance which is carried out correctly and periodically. 2) Management of bad credit risk begins with coaching customers by means of periodic billing and ensuring the group's active role in helping smooth installments to reduce the risk of bad loans and rescuing bad loans is carried out through a restructuring process, namely rescheduling. 3) Analysis of bad credit risk is in accordance with risk management principles. Where there are no obstacles that hinder the application of these risk management principles, evidenced by the improved condition of the branch and the start of the installment payment process using the online system. And also the smooth operation of the company's operations and new programs issued by the company.
References
Abdullah T., & Tantri, F (2013), “Bank dan Lembaga Keuangan”, Cetakan ketiga, Jakarta: Raja Grafindo Persada.
Bank Indonesia (2009), “Peraturan Bank Indonesia No.11/25/2009 tanggal 1 Juli 2009, Perihal Penerapan Manajemen Risiko bagi Bank Umum, Jakarta.
Bank Indonesia (1998), “Pasal 4 SK Direktur BI No.30 1267/KEP/DIR. 27 Februari 1998 Tentang Kualitas Aktifa Produktif”, Jakarta.
Desda, MM., & Yurasti (2019), “Analisis Penerapan Manajemen Risiko Kredit Dalam Meminimalisir Kredit Bermasalah Pada PT BPR Swadaya Anak Nagari Bandarejo Simpang Empat Periode 2013-2018”, MBIA, p-ISSN 2086-5090, e-ISSN: 2655-8263, Vol.18, No.1.
Febrianti, & Rahmah, Siti (2015), “Analisis Faktir-Faktor Yang Mempengaruhi Kredit Bermasalah di PT. Bank Rakyat Indonesia (Persero) Tbk. Cabang Sengkang, Makasar: Program S1 Fakultasnomi dan Bisnis Universitas Hasanudin.
Hasibuan, HK., Utami, AA., & Umam, K. (2019), “Implementasi Manajemen Risiko Kredit Macet Konsumtif di Bank Mandiri Kantor Cabang Jakarta Mampang Prapatan”, Jurnal Ekonomi, 15 (2), hal. 277-292.
Hasibuan, Malayu (2007), “Dasar - Dasar Perbankan, Jakarta: Bumi Aksara.
Kasmir (2013), “Bank dan Lembaga Keuangan Lainnya”, Jakarta: PT. Rajagrafindo Persada.
Kustina, KT. (2023), “Modul Manajemen Risiko”, Universitas Pendidikan Nasional Denpasar.
Mulyawan, Setya (2015), “Manajemen Keuangan”, Cetakan Pertama, Pustaka Setia: Bandung.
Musdalifa, M. (2020), “Implementasi Manajemen Risiko dalam Mengurangi Kredit Macet di BTN Pare- Pare (Analisis Manajemen Risiko)”, Skripsi IAIN Pare Pare.
Nurasisah, N (2022), “Analisis Proses Manajemen Risiko Perbankan dalam Mengendalikan Risiko Kredit”, Amkop Management Accounting Revies (AMAR), 2 (2), 32-39.
Nursyahriana, A., Hadjat, M., & Tricahyadinata (2017), “Analisis Faktor Penyebab Terjadinya Kredit Macet”, http://journal.feb.unmul.ac.id/index.php/FORUMEKONOMI, Vol.19, No.17.
Otoritas Jasa Keuangan (2020), “OJK No. 44/PJOK.05/2020 Tentang Penerapan Manajemen Risiko Bagi Lembaga Jasa Keuangan Non-Bank”, Jakarta.
Pratama, R., & Samiun, AS (2019), “Penerapan Manajemen Risiko Untuk Meminimalisir Risiko Kredit Macet Pada PT BPRS Bahari Berkesan”, Jurnal Mitra Manajemen, 3 (9), 932-945.
Ritonga, RH., & Inayah, Nurul (2022), “Penerapan Manajemen Risiko Dalam Meminimalisir Risiko Kredit Macet Pada Bank Sumut Kantor Cabang Syariah Medan”, Jurnal Ilmu Komputer, Ekonomi dan Manajemen, 2(1), hal. 430-440.
Rochendi, Tedi (2020), “Manajemen Risiko Pemberian Kredit Tanpa Agunan Untuk Mengurangi Risiko Kredit Macet di PT BNI, Tbk, Kantor Cabang Fatmawati”, Jurnal Akuntansi, Keuangan dan Perbankan, 1 (02), hal. 7-15.
Rusmana, Agus (2020), “The Future of Organization Communication in The Industrial Era 4.0: Book Chapter Komunikasi Organisasi, Bandung: Media Akselerasi.
Rusmana (2020), “Manajemen Risiko”, Universitas Padjajaran.
Sucianty, FI., & Manda, GS. (2022), “Analisis Manajemen Risiko Kredit Usaha (KUR) Untuk Meminimalkan Kredit Bermasalah”, Jurnal Ilmiah Wahana Pendidikan, 8 (24), hal. 18-25.
Susanti, Dwi (2019), “Pola Penanganan Kredit Macet Pada PT OTO Multiartha Finance Cabang Malang”, Jurnal Akuntansi dan Investasi, vol.3, No.2.
Sutrisno (2012), “Manajemen Lembaga Keuangan”, Cetakan Pertama, Pustaka Setia, Bandung.
Untung, Thamrin (2005), “Kredit Perbankan di Indonesia”, Yogyakarta: Penerbit Andi.
Undang-Undang (1998), “Undang-Undang No.10 Tahun 1998 Perubahan atas Undang-Undang No.7 Tahun 1992 tentang Perbankan”, Jakarta.
Wahidawati & Suhaimi (2021), “Implementasi Manajemen Risiko Untuk Kredit Usaha Mikro (KUM) Dalam Meminimalisir Kredit Bermasalah di Bidang Kredit Modal Kerja”, dari: http://journal.feb.unmul.ac.id/index.php/FORUMEKONOMI, Vol.23 (1), hal.119-126.
Wihara, D. S., Suhariadi, F., Yulianti, P., & Muhaimin, H. (2023). Capability of Third Party Funds to Support Credit Distribution and Maintain the Existence of PT. Bank Rakyat Indonesia (Persero) in Micro Credit Expansion. IJEBD (International Journal of Entrepreneurship and Business Development), 6(3), 455-463.