Problem Loans in Banks and Implementation of Good Corporate Governance (GCG)

Deisy Kalangi, Denny Tewu

Abstract


Bank Maybank Indonesia is an Indonesia-based company primarily engaged in the banking sector. The Company's business activities are divided into three business segments: Global Banking which includes corporate banking, transaction services and global markets; Community Financial Services (CFS) which is an integration of retail and business banking functions that include third party funds, business loans, micro small and medium business loans, home ownership loans and others, as well as Islamic Banking services. In the Banking Industry, Good Corporate Governance is an important factor in maintaining the trust and confidence of shareholders and customers. The application of the principles of good corporate governance in the bank management system is very important in increasing the success of a company engaged in banking. This study aims to identify and analyze non-performing loans in Micro, Small and Medium Enterprises at banks and to determine the efforts made in dealing with the occurrence of Non-performing Loans in Micro, Small and Medium Enterprises at banks. This type of research will be carried out using descriptive research methods with a quantitative approach. The results of this study will show that the application of credit risk management which includes active supervision of the board of commissioners and directors, policies, procedures and limit setting, identification, measurement, monitoring, and credit risk management information systems, as well as an internal control system for non-performing loans at PT. Maybank Indonesia. Based on this research, banks can maintain the independence of credit staff and improve the credit monitoring process.


Keywords


non-performing loans in micro; small and medium enterprises; risk management; GCG

Full Text:

PDF

References


Agustin Ekadjaja dan Margarita Ekadjaja, Jurnal Ekonomi, Vol.25, No.03, November 2020;391-412, Tata Kelola Perusahaan, Risiko Keuangan, Dan Kinerja Perbankan Di Indonesia.

Dwiatmanto, Maria Goretti Wi Endang NP, Jurnal Administrasi Bisnis, Vol. 38. No.1, September 2016, Analisis Manajemen Risiko Kredit untuk Meminimalisir Kredit Modal Kerja Bermasalah.

Hesti Dwi Puspitasari, Jurnal Ilmu Manajemen, Vol.2, No.4, Oktober 201, Pengaruh Penerapan Tata Kelola Perusahaan Terhadap Risiko Kredit Melalui Rasio Kecukupan Modal Pada Bank Umum.

Indah Sulistiyowati, Ratna Anggraini, dan Tri Hastuti Utaminingtyas. 2010. “Pengaruh Profitabilitas, Leverage, dan Growth terhadap Kebijakan Deviden dengan Good Corporate Governance sebagai Variabel Intervening”. Simposium Nasional Akuntansi

Johan Wahyudi. 2010. “Pengaruh Pengungkapan Good Corporate Governance, Ukuran Dewan Komisaris Dan Tingkat Cross-Directorship Dewan Terhadap Nilai Perusahaan”. Thesis. Universitas Diponegoro.

Komite Nasional Kebijakan Governance. 2006. Pedoman Umum Good Corporate Governance. Jakarta. KNKG Lukman Dendawijaya. 2009. Manajemen Perbankan. Jakarta. Ghalia Indonesia

Manajemen Risiko 2, Ikatan Bankir Indonesia, Penerbit PT. Gramedia Pustaka Utama. Bank Indonesia. 1998. Undang- undang Nomor 10 Tahun 1998 tentang Perubahan Undang - undang No. 7 Tahun 1992 tentang Perbankan. Jakarta: Gramedia

Nasution, Marihot dan Doddy Setiawan. 2007. Pengaruh Corporate Governance terhadap Manajemen Laba di Industri Perbankan Indonesia. Simposium Nasional Akuntansi X. Makassar 26-28 Juli 2007.

Premuroso, Ronald F. dan Somnath Bhattacharya. 2007. “Is There a Relationship between Firm Performance, Corporate Governance, and a Firms Decision to Form a Technology Committee?”. Journal Compilation. Vol. 15. No. 6. p. 1260 - 1276.

Purwantini, VT 2011. Pengaruh Mekanisme Good Corporate Governance Terhadap Nilai Perusahaan dan Kinerja Keuangan Perusahaan yang Terdaftar di Bursa Efek Indonesia. Jurnal Ekonomi Bisnis dan Perbankan, 19(19), STIE AUB, Surakarta.

Retno, RD, Printinah, D. 2012. Pengaruh Good Corporate Governance dan Pengungkapan Corporate Social Responsibility terhadap Nilai Perusahaan yang Terdaftar Di Bursa Efek Indonesia Periode 2007-2010. Jurnal Nominal, 1(1).

Suad Husnan & Pudjiastuti, Enny. 2007. Dasar-dasar Manajemen Keuangan. Yogyakarta: UPP AMP YKPM.

Tata Kelola Perusahaan PT. Maybank Indonesia, tbk (PT.MBI), Laporan Tahunan 2017. Bank Indonesia. 2009. “Penerapan Manajemen Risiko Bagi Bank Umum. PBI No. 11/25/PBI/2009”, [Internet].

Zarkasyi, Moh. Wahyudi. 2008. Good Corporate Governance. Alfabeta. Bandung.




DOI: https://doi.org/10.33258/birci.v5i3.6464

Article Metrics

Abstract view : 31 times
PDF - 22 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.