Analisis Manajemen Risiko dalam Meminimalisir Risiko Kredit Bermasalah pada Pinjaman Kece di BRI Kantor Wilayah Medan

Abstract

BRI regional office Medan is one of the BRI regional office representatives in North Sumatra province and is located in the city of Medan. In carrying out its business activities, BRI regional office Medan has several products including KECE loans which are inseparable from the risk of non-performing loans caused by several factors, namely internal factors consisting of the bank's low ability to analyze credit demand feasibility, integrity weaknesses and supervisory weaknesses as well as external factors consisting of natural disasters, declining debtor economic conditions and unfavorable debtor character. The application of good risk management can minimize the risk of non-performing loans in KECE loans so that non performing loans can be minimized. This study aims to identify and analyze the factors that cause non performing credit risk on KECE loans at the BRI regional office Medan and to identify and analyze risk management in minimizing the risk of non performing credit on KECE loans at the BRI regional office Medan. The form of research used in this research is descriptive qualitative research. Determination of informants was carried out through a purposive sampling technique and used 5 informants as sources of information. Primary data in this study were obtained from observations of daily activities in the field, as well as data from interview questions with informants while secondary data were obtained from literature reviews, such as previous studies and material obtained from books related to risk management. as well as secondary data obtained from documents obtained in the field during the research. The results of the research conducted concluded that: (1) Non performing loans on KECE loans at the BRI regional office Medan are caused by internal and external factors. (2) implementation of risk management carried out by the BRI regional office Medan on the KECE loan, namely the active supervision of the board of commissioners and directors, adequacy of policies, procedures and setting of risk limits, processes of identification, measurement, monitoring and risk control and internal risk control systems.