Effectiveness of Manage Low-Quality Credit (Loan at Risk) for Improvement of Loan Portfolio Quality in Bank BNI

Angga Solissetiawan, Eliza Fatima

Abstract


Loan at Risk (LaR) is a problem faced by all banks where later if not managed properly and correctly it will become non-performing loans or reduce credit quality through increasing non-performing loans (NPL). The main purpose of this paper is to provide an evaluation of the effective LaR management strategy at Bank BNI for improving credit quality by improving the portfolio of LaR debtors in the period March 2020 to December 2021. For this purpose, we use primary data in the form of interviews with the parties involved and secondary data is the rules that serve as guidelines in managing LaR debtors. The results of the evaluation of the LaR management strategy are considered capable of improving credit quality through a decrease in the LaR portfolio.

Keywords


loan at risk; risk management; covid19

Full Text:

PDF

References


Arena, M., Arnaboldi, M., & Azzone, G. (2011). Is enterprise risk management real? Journal of Risk Research, 14(7), 779–797. https://doi.org/10.1080/13669877.2011.571775

BNI, B. (2021). Corporate Presentation FY 2021.

Committee of Sponsoring organization. (2017). Enterprise risk management framework: Integrating with Strategy and Performance COSO’s Fundamental Principle. In Coso.Org.

Ellet, W. (2018). The Case Study Handbook.

F.N, I. (2008). Manajemen Risiko Perbankan : Pemahaman Pendekatan 3 Pilar Kesepakatan Basel III Terkait Aplikasi Regulasi dan Pelaksanaannya di Indonesia. Rajawali Press.

Lam, J. (2017). Implementing Enterprise Risk Management.

Mosey, A. C., Tommy, P., & Untu, V. (2018). Pengaruh Risiko Pasar Dan Risiko Kredit Terhadap Profitabilitas Pada Bank Umum Bumn Yang Terdaftar Di Bei Periode 2012-2016. Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis Dan Akuntansi, 6(3), 1338–1347.

Niati, D. R., Siregar, Z. M. E., & Prayoga, Y. (2021). The Effect of Training on Work Performance and Career Development: The Role of Motivation as Intervening Variable. Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences, 4(2), 2385–2393. https://doi.org/10.33258/birci.v4i2.1940

Norman, C. S., Rose, A. M., & Rose, J. M. (2010). Internal audit reporting lines, fraud risk decomposition, and assessments of fraud risk. Accounting, Organizations and Society, 35(5), 546–557. https://doi.org/10.1016/j.aos.2009.12.003

Noveryanto, Berry dan Yorinda, I. A. (2022). Fungsi Early Warning Indicator (EWI) Pada Pemantauan Kredit Dengan Klasifikasi Loan At Risk. 7(1).

Otoritas Jasa Keuangan Republik Indonesia. (2019). POJK No.40. Tentang Penilaian Kualitas Aset Bank Umum, 53(9).

Otoritas Jasa Keuangan. (2020). Peraturan OJK Nomor 48/POJK.03/2020. Peraturan OJK Nomor 48/POJK.03/2020, 53(9), 1689–1699.

Surat Edaran OJK NO 14/SEOJK.03/2017, 24 (2017). http://www.ojk.go.id/id/kanal/perbankan/regulasi/surat-edaran-ojk/Pages/Surat-Edaran-Otoritas-Jasa-Keuangan-Nomor-14-SEOJK.03-2017.aspx

Susilo, L, J. ;Victor R. K. (2019). Manajemen Risiko Panduan Untuk Risk Leaders dan Risk Practitioners. Grasindo.

Wardani, P. S., & Ismunawan, I. (2021). Impact Pandemi Covid-19 Terhadap Rentabilitas Bank. Jurnal Binis Dan Akuntansi, 23(1), 165–178.




DOI: https://doi.org/10.33258/birci.v5i3.5822

Article Metrics

Abstract view : 54 times
PDF - 34 times

Refbacks

  • There are currently no refbacks.


Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

 

Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.