IMPLEMENTATION OF PRUDENTIAL BANKING PRINCIPLES BY BANK IN CREDIT RISK MANAGEMENT OF COMMERCIAL LOANS AND KPR LOANS Case Study on Bank BJB Branch of Tamansari
Bank BJB is a government-owned bank in the West Java region, where Bank BJB has a function to increase the regional economy, manage money owned by the regional government and become a source of revenue for regional governments. Bank BJB has a vision of becoming the 10 largest banks and performing we...
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| Format: | Theses |
| Language: | Indonesia |
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| Online Access: | https://digilib.itb.ac.id/gdl/view/43195 |
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| Institution: | Institut Teknologi Bandung |
| Language: | Indonesia |
| Summary: | Bank BJB is a government-owned bank in the West Java region, where Bank BJB has a function to increase the regional economy, manage money owned by the regional government and become a source of revenue for regional governments. Bank BJB has a vision of becoming the 10 largest banks and performing well in Indonesia. It is public acknowledgeable that the biggest profit from Bank bjb comes from Consumer loans, so in this case Bank bjb expands to other loans such as Mortgage Loans, Commercial Loans, and MSME Loans.
The application of such expansion provides a big challenge for Bank BJB considering that in providing credit or financing, Bank BJB is obliged to pay attention to the precautionary principle to ensure credit repayment or credit financing.
This research was conducted by analyzing the effectiveness of the Management of Commercial Credit Risk and Mortgage Loans at the Regional Development Banks of West Java and Banten, Tbk. Tamansari Branch Office refers to the ratio of Non-performing Loans and Reserves for Impairment Losses ("CKPN") to credit and financing of loans, especially Commercial and Mortgages.
Research conducted shows that the value of CKPN on commercial loans or financing is greater than mortgages, and the value of channeling and returning Commercial loans is greater than KPR. This is based on the fact that the policies and procedures for lending or Commercial financing are more sustainable than mortgages, so Commercial loans or financing can be more managed to return.
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