Analysis of the Implementation of Credit Risk Management at PT BPR X

Abstract

This study aims to analyze the implementation of credit risk management in a banking company, PT BPR X. The background of this research was because PT BPR X faced high non-performing loans caused by the Covid-19 pandemic and the implementation of credit risk management was not optimal. The data used in this study were obtained from interviews and documentation studies and will be described using descriptive analysis techniques. The results of this study indicate that the implementation of credit risk management at PT BPR X refers to POJK No. 13/POJK.03/2015 has not been implemented optimally. This is because each stage of the credit risk management process carried out by the Company has not fully followed what is regulated in POJK No. 13/POJK.03/2015. In addition, the Company has not set a risk appetite and risk tolerance in measuring and assessing risk. The company also has not followed up on risks that have a significant impact.