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Risk is a something that almost happens in everyday basis of business which could make loss. Still, in every risk there must be return as a package with it. Since the development of knowledge, risk management is a rather new knowledge that began famously used for controlling the risk. Although, the...
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| Format: | Final Project |
| Language: | Indonesia |
| Online Access: | https://digilib.itb.ac.id/gdl/view/11444 |
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| Institution: | Institut Teknologi Bandung |
| Language: | Indonesia |
| Summary: | Risk is a something that almost happens in everyday basis of business which could make loss. Still, in every risk there must be return as a package with it. Since the development of knowledge, risk management is a rather new knowledge that began famously used for controlling the risk. Although, the improvements of tools of risk management the risk itself won't be hundred percent eliminated, those tools would only help to minimize.<p> <br />
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This final project focuses on the credit risk management in XYZ. The branch of Bank of Negara Indonesia cleared in various cities in Indonesia, one of them is located in Bandung as the centre of the territory in West Java. The interesting thing is XYZ in West Java territory gave the biggest credit portion to textile industry in West Java, around 16% from the total whole credit (26 industries).<p> <br />
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The development of textile industry in several recent years is rapidly developed. The period 2003 until 2006 was the outstanding rehabilitation, normalization, and expansion. Revitalization efforts is stagnant, that was caused by the multi-hindrance, which are the source difficulty of funding, and the effort climate which not conducive anymore. However till at this time, textile industry in Indonesia continued to face various problems that caused the textile industry in Indonesia run with the unhealthy condition.<p> <br />
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The main problem that writer analyze in this research is to identify, measure, and to see the credit risk in textile industry loan in West Java with analyzing their financial statement and considered the policy of giving credit that was given by XYZ whether exact or not.<p> <br />
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This final project use several methods, which are Time series analysis, Cross sectional analysis, Company Rating, and Comparison with other biggest two industries, which are Pharmacy and Commerce.<p> <br />
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This research resulted that the biggest proportion of giving credit in textile industry in West Java by the Bank Negara Indonesia is not too risky in this time. However, the results of analysis showed that textile industry was in moderate level at this time and also did not show the progress in performance. This was not advantageous for XYZ. Nevertheless, in two years behind, the comparison of the biggest three industries as debtor in Bank Negara Indonesia West Java territory that was considered had good performance is textile industry. |
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