PENGELOLAAN RISIKO PERUSAHAAN PADA PEMASARAN KREDIT KOMERSIAL PT BCA TBK
ABSTRACT: <br /> <br /> <br /> <br /> <br /> The increasing amount of commercial credit positively is expected by all of the stakeholders because of its importance in developing banking industries in particularly and for economic in generally. The banks decision to...
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| Format: | Theses |
| Language: | Indonesia |
| Online Access: | https://digilib.itb.ac.id/gdl/view/6651 |
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| Institution: | Institut Teknologi Bandung |
| Language: | Indonesia |
| Summary: | ABSTRACT: <br />
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The increasing amount of commercial credit positively is expected by all of the stakeholders because of its importance in developing banking industries in particularly and for economic in generally. The banks decision to put its asset in the form of Bank Indonesia Certicate (SBI) instead of in commercial credit for safety reason, has not accomplished its main function as a bank. <br />
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43percent of BCAs total asset is in the form of SBI and government obligations whereas only 30percent is in commercial credit. If BCA is able to increase its asset composition in credit, BCA will have opportunity to gain more profit from interest income. Compared to 11 banks in Indonesia, BCAs LDR is the lowest (40,33percent), as a result the growth of its credit is smaller than the growth of the total credit nationally. |
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