CREDIT RISK MANAGEMENT AND CREDIT RISK ANALYSIS (CASE STUDY OF BUMN’S BANK 2018-2019)

Authors

  • Nenden Ayu STIE Sutaatmadja, Subang , Indonesia
  • Estu Widarwati STIE Sutaatmadja, Subang , Indonesia

Keywords:

Credit Risk Managemet Credit Risk, Banking, Capital Adequancy Ratio, Loan Loss Reserves Ratio

Abstract

This study aims to describe the credit risk management and credit risk of goverment banking of Indonesia listed IDX in 2018-2019.

The study was conducted descriptively, and secondary data was collected based on a review of documents sourced from annual reports and financial report of state-owned banking.

Analyzed data show credit risk management of BUMN bank seem good based on capital adequancy ratio (CAR) value above Indonesia central bank rule that average of 74%. But there is a waening signal of credit risk in BUMN banking because the data find a high number of average credit risk. Furthermore, the study find a positive trend between CRM and Credit Risk in state-owned banking. A high level of CAR needed by bank for minimilizing its credit risk

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Published

2022-01-19

How to Cite

Ayu, N., & Widarwati, E. (2022). CREDIT RISK MANAGEMENT AND CREDIT RISK ANALYSIS (CASE STUDY OF BUMN’S BANK 2018-2019). DIMENSIA (Diskursus Ilmu Manajemen STIESA), 17(2), 37–44. Retrieved from https://ojs.stiesa.ac.id/index.php/dimensia/article/view/908

Issue

Vol. 17 No. 2 (2020): September

Section

Articles