PENERAPAN MANAJEMEN RISIKO UNTUK MEMINIMALISASI RISIKO KREDIT MACET (Studi Pada PT. Bank Tabungan Pensiunan Nasional Kantor Cabang Bangkalan)

Abstract

The research aims to determine the proper application of risk management to reduce the risk of a prosperous retirement credit at PT. BTPN Bangkalan Branch Office is actually to address the problems faced by the bank that is how the management of the Bank in addressing problem loans in order to minimize the risk of bad debts in credit products retire wealthy? The research, using qualitative methods showed results that PT. BTPN Bangkalan Branch Office has implemented risk management in accordance with Bank Indonesia (Central Bank in Indonesia) Circular Letter 5/21 / DPNP / 2003 on the application of risk management for commercial banks. Implementation of risk management beyond the several stages namely restructurization, billing termination, bad debts cancellation, and procedures of seizing collaterals.. But in banking risk management, there are several obstacles in terms of risk monitoring process and the process of identification of prospective customers. Therefore, this study recommends that the Bank can meet its target of NPL (Non Performing Loan) in order to improve the quality of lending, especially for retirement products prosperous stages, as well as minimize the risk of bad debts
Keywords : bank, risk, risk management implementation, minimizing credit risks