| dc.description.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. | en_US |
