Article Sidebar

Submitted
March 31, 2021
Accepted
March 31, 2021
Published
March 31, 2021
Download
PDF
Statistic
Read Counter : 89 Download : 224

Main Article Content

Abstract

This research purpose is to describe credit risk management at Bank Bengkulu during covid-19 pandemic. This research is a descriptive study that focuses on the phenomenon of activity, namely credit risk management activities done by credit analysts, branch vice leaders and branch leaders. Data collection is done through observations, interviews and documentation that are intended to test each other on the information obtained. This research concluded that credit risk management conducted by Bank Bengkulu main branch is credit risk identification, credit risk measurement and assessment, credit risk control and credit risk monitoring. This research found in the identification stage, credit risk measurement and assessment is done by credit analysts manually or subjectively by making credit analysis reports. During the Covid-19 pandemic, business sectors directly affected such as tourism, hospitality, transportation and service sectors were temporarily suspended for credit disbursement.

Keywords

Credit Risk Management Bank Bengkulu Main Branch

Article Details

License

Copyright (c) 2021 Tri Martini, Husaini Husaini, Novita Sari

Creative Commons License

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

How to Cite
Martini, T., Husaini, H., & Sari, N. (2021). CREDIT RISK MANAGEMENT AT BANK BENGKULU MAIN BRANCH DURING COVID-19 PANDEMIC. JURNAL FAIRNESS, 10(1), 29–42. https://doi.org/10.33369/fairness.v10i1.15230
Download Citation
Endnote/Zotero/Mendeley (RIS)
BibTeX

References

  1. Afriyie, S. O., Yusheng, K., & Kaodui, L. (2018). Credit Risk Management System Of Commercial Banks: an Analysis of the
  2. Process. European Journal of Accounting, Auditing and Finance Research, 6(6), 1-11.
  3. Ahmadyan, A. (2018). Measuring Credit Risk Management and its Impact on Bank Performance in Iran. Marketing and
  4. Branding Research, 5(2), 168-183.
  5. Anggraini, A. (2009). Faktor-faktor yang Mempengaruhi Kredit Bermasalah Pada Nasabah Bank Perkreditan Rakyat (BPR) di
  6. Kota Semarang Tahun 2006. Universitas Negeri Semarang: Tesis tidak dipublikasikan.
  7. Bauer, W., & Ryser, M. (2017). Risk Management Strategies for Banks. Journal of banking and Finance, 28(41), 331-352.
  8. Berry, A., & Robertson, J. (2016). Overseas bankers in the UK and their use of information for making lending decisions:
  9. Changes from 1985. The British accounting Review, 38(12), 175-191.
  10. Basel committee. (2000). Principles for the Management of Credit Risk. Basel Switzerland
  11. Boffey, R., & Robson, G. N. (2012). Managerial Finance. Bank Credit Risk Management, 21(1), 66-78.
  12. BPD. (2018). Laporan Kredit per Kolektability. Bengkulu: Bank Pembangunan Daerah Provinsi Bengkulu.
  13. Chijoriga, M.M (1997). Application of Credit Scoring, and financial Distress Prediction Models to Commercial Bank Lending:
  14. The Case of Tanzania. Ph.D Dissertation. Vienna: Wirts Chaftsnnversitat Wien (WU).
  15. Desda, M. M., & Yurasti, Y. (2019). Analisis Penerapan Manajemen Risiko Kredit Dalam Meminimalisir Kredit Bermasalah
  16. Pada PT. BPR Swadaya Anak Nagari Bandarejo Simpang Empat Periode 2013-2018. Management, Business, and
  17. Accounting, 18(1), 94-106.
  18. Duong, N. T., & Huong, T. T. (2017). The Analysis of Major Credit Risk Factors - The Case of the Vietnamese Commercial
  19. Banks. International Journal of Financial Research, 8(1), 33-42.
  20. Estrella, A. (2000). Credit Rating and Complementary Sources of Credit Quality information. Basel Committee on Banking
  21. Supervision Working Papers.
  22. Eveline, Ngawa . (2010) . Credit Risk Management In Banks As Participants In Financial Markets. Swedia : (Unpublished
  23. master’s thesis). Umea University
  24. Focardi, C. (2014). The Mortgage Crisis: How are credit risk managers responding? The journal of Fianance, 70(3), 72-110.
  25. Gray, F., & Clifford, F. L. (2016). Project Management: The managerial Process. New York: Beverly Hills, Saga.
  26. Greuning, H., & Iqbal, Z. (2007). Banking and Risk Environment. Singapore: John Wiley & Son.
  27. Hameeda, A. H., & Al-Ajmi, J. (2013). Risk Management Practices of Conventional and Islamic Banks in Bahrain. The Journal
  28. of Risk Finance, 13(3), 215-225.
  29. Hull, J. C. (2007). Risk Management and Financial Institutions. New Jersey: Pearson Education.
  30. ?ncekaraa, A., & Çetinkayaa, H. (2019). Credit Risk Management: A Panel Data Analysis on The Islamic Bank in Turkey.
  31. Procedia Computer Science, 158(23), 947-954.
  32. Indriantoro, N., & Supomo, B. (2014). etodologi Penelitian Bisnis Untuk Akuntansi & Manajemen. Yogyakara: BFEE UGM.
  33. Jamaat, A., & Asgari, F. (2010). Credit Risk Management in Banking System with Data Mining Approach. Quarterly Magazine
  34. of Quantity Studies in Management, 1(3), 115-126.
  35. Kalopo, T. F., Ateni, K. R., & Oke, M. O. (2012). Credit Risk and Commercial Bank’s Performance In Nigeria: A Panel Model
  36. Approach. Australian Journal of Business and Management Research, 2(2), 31-38.
  37. Keith, A. (1992). Facilities Risk Management. Vol. 10 No. 4, pp. 14-18, MCB University Press, 0263-2772.
  38. Khalid, S., & Shehla, A. (2015). Risk Management Practices in Islamic Banks of Pakistan. The Journal of Risk Finance, 13(2),
  39. -159.
  40. Koentjaraningrat. (2009). Metode penelitian Masyarakat. Jakarta: Gramedia Pustaka Utama.
  41. Lestari, R. (2013). Pengaruh Manajemen Risoko Terhadap Kinerja Organisasi. Jurnal Riset Akuntansi dan Bisnis, 13(2), 133-
  43. Maness, T. S., & Zietlow, J. T. (2015). Short term Financial Management. Thomson: South - Western.
  44. Margaret, F. (2015). Decision making by Scottish bank managers. International Journal Of entrepreneurial Behaviour &
  45. Research, 1(2), 37-53.
  46. Moleong, L. J. (2012). Metode Penelitian Kualitatif. Bandung: Remaja Rosdakarya.
  47. Muhamet, A., & Arbana, S. (2016). The Effect of Credit Risk Management on Banks’ Profitability in Kosovo. European
  48. Journal of Economic Studies, 18(4), 492-515.
  49. Nasution, S. (2016). Metode Research (Penelitian Ilmiah). Jakarta: Bumi Aksara.
  50. POJK Nomor 18/POJK.03/2016 . PBI POJK tentang “Penerapan Manajemen Risiko Bagi Bank Umum” (Internet), Diakses
  51. pada tanggal 14 Agustus 2020 dari https://www.ojk.go.id/id/kanal/perbankan
  52. /regulasi/peraturanojk/Documents/Pages/POJKNomor18.POJK.03.2016/SAL%20%20POJK%20Manajemen%20Risiko%
  53. pdf
  54. Porter, E. M. (2016). “What is Strategy?”. Harvard Business Review, 61-78.
  55. Pratama, R., & Samiun, A. A. (2019). Penerapan Manajemen Risiko untuk Meminimalisir Risiko Kredit Macet pada PT BPRS
  56. Bahari Berkesan. Jurnal Mitra Manajemen, 3(9), 932-945.
  57. Pratiwi, Y. W., Dwiatmanto, & Endang, M. G. (2016). Analisis manajemen resiko kredit untuk meminimalisir kredit modal
  58. kerja bermasalah (Studi pada PT. BRI Cabang Ponorogo). Jurnal Administrasi Bisnis, 38(1), 157-163.
  59. Putri, A. A., Hakim, M. S., & Bramanti, G. W. (2018). Evaluasi Pelaksanaan Credit Risk Management pada PT BPR X. Jurnal
  60. Sains dan Seni Pomits, 7(1), 2337-3520.
  61. Richardson, D. C. (2002). Pearls Monitoring System. USA: World Council of Credit Unions Toolkit Series.
  62. Roberts, J. (2010). Corporation reports; Credit- Management; Monetary policy; Credit. Chartered Accountants Journal, 89(3),
  63. -32.
  64. Saunders, A. (2016). Financial institutions Management” a modern perspective. USA: Prentice Hall.
  65. Shanmugan, B., & Bourke, P. (2014). The Management of Financial institutions, Selected readings. New York: Wesley
  66. Publishing Company.
  67. Sinkey, J. C. (2012). Commercial bank Financial Management. New York: Macmillan Publishing Company.
  68. Stapleton, P., & Woodward, D. (2018). Stakeholders Reporting: The role of Intermediaries. Business and Society Review,
  69. (2), 183-216.
  70. Sugiyono. (2017). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Bandung: Alfabeta.
  71. Suharso, P. (2019). Metode Penelitian Kualitatif Untuk Bisnis. Jakarta: Indeks.
  72. Tchankova, L. (2012). Risk Identification- basic stage in risk management:. Environmental Management and Health, 13(3),
  73. -297
  74. Terry, S. M., & John, T. Z. (2015). Short term Financial Management. Thomson: South - Western.
  75. Tufano. (2016). Who Manages Risk? An Empirical Examination of Risk Management Practices in the Gold Mining Industry.
  76. The journal of Finance, 1(4), 1097-1137.
  77. Undang-Undang. (1998). Nomor 10 tahun 1998 tentang Perbankan.
  78. Williams, R., Boudewijn, B., & Barrie, D. (2016). Quality and risk management: what are the key issues? The TQM Magazine,
  79. (1), 67-86.