PUTRI, VANIA NUR AURLLIA (2025) MANAJEMEN RISIKO KREDIT PADA PT. BANK WOORI SAUDARA, TBK. KANTOR CABANG PEMBANTU SERANG. D3 thesis, UNIVERSITAS SULTAN AGENG TIRTAYASA.
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Abstract
The purpose of this study was to determine the credit granting process, factors causing credit failure, and credit risk management applied in overcoming bad credit at PT Bank Woori Saudara, Tbk Serang Branch Office. The analysis method used is descriptive with data collection conducted by direct interviews with staff, namely the Head of Operations and Marketing of PT Bank Woori Saudara, Tbk Serang Branch Office. The results of the study found that the credit granting process was carried out with the principle of prudence by verifying documents and applying the 5C principle (Character, Capacity, Capital, Collateral, Condition) in credit to assess the ability and eligibility of prospective debtors. The factors causing credit failure were caused by external factors that occurred because of the debtor (death, layoffs, resignation, lost spousal allowance, and lost child allowance). The procedures applied in overcoming bad credit are by conducting risk identification, risk measurement and evaluation, risk mitigation and control, risk monitoring and reporting, and handling and resolving bad credit. The findings obtained as a whole indicate that the credit risk management applied by PT Bank Woori Saudara, Tbk Serang Branch Office is quite good by carrying out the right procedures.
| Item Type: | Thesis (D3) | |||||||||
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| Additional Information: | Tujuan penelitian ini yaitu untuk mengetahui proses pemberian kredit, faktor penyebab terjadinya kegagalan kredit, dan manajemen risiko kredit yang diterapkan dalam mengatasi terjadinya kredit macet di PT Bank Woori Saudara, Tbk Kantor Cabang Pembantu Serang. Metode analisis yang digunakan yaitu deskriptif dengan pengumpulan data yang dilakukan dengan wawancara secara langsung kepada para staff yaitu Kepala Operasional dan Marketing PT Bank Woori Saudara, Tbk Kantor Cabang Pembantu Serang. Hasil penelitian menemukan bahwa proses pemberian kredit dilakukan dengan prinsip kehatihatian dengan melakukan verifikasi dokumen dan menerapkan prinsip 5C (Character, Capacity, Capital, Collateral, Condition) dalam kredit untuk menilai kemampuan dan kelayakan calon debitur. Faktor terjadinya kegagalan kredit disebabkan oleh faktor ekternal yang terjadi karena debitur (meninggal dunia, PHK, Resign, tunjangan pasangan hilang, dan tunjangan anak hilang). Prosedur yang diterapkan dalam mengatasi terjadinya kredit macet yaitu dengan melakukan identifikasi risiko, pengukuran dan evaluasi risiko, mitigasi dan pengendalian risiko, pemantauan dan pelaporan risiko, dan penanganan dan penyelesaian kredit macet. Hasil temuan yang didapat secara menyeluruh menunjukkan bahwa manajemen risiko kredit yang diterapkan PT Bank Woori Saudara, Tbk Kantor Cabang Pembantu Serang sudah cukup baik dengan melakukan prosedur yang tepat. | |||||||||
| Uncontrolled Keywords: | Bank, Bad Debt, Credit Risk Management Bank, Kredit Macet, Manajemen Risiko Kredit | |||||||||
| Subjects: | H Social Sciences > H Social Sciences (General) | |||||||||
| Divisions: | 05-Fakultas Ekonomi dan Bisnis 05-Fakultas Ekonomi dan Bisnis > 61406-Program Diploma III Keuangan Perbankan |
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| Depositing User: | Vania Nur Aurllia Putri | |||||||||
| Date Deposited: | 23 Aug 2025 02:56 | |||||||||
| Last Modified: | 23 Aug 2025 02:56 | |||||||||
| URI: | http://eprints.untirta.ac.id/id/eprint/52526 |
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