ANALISIS TINGKAT RESIKO KREDIT PEMBIAYAAN MOBIL BEKAS T BFI FINANCE INDONESIA PADA TAHUN 2012 MENGGUNAKAN METODE VINTAGE ANALYSIS

• Main Authors: , Vido Onadi, , Prof. Dr. Sukamawati Sukamulja, MM.
• Format: Theses and Dissertations NonPeerReviewed
• Published: [Yogyakarta] : Universitas Gadjah Mada 2014
• Subjects: ETD
• Online Access: https://repository.ugm.ac.id/133575/; http://etd.ugm.ac.id/index.php?mod=penelitian_detail&sub=PenelitianDetail&act=view&typ=html&buku_id=74276
• Institution: Universitas Gadjah Mada

BFI Finance is an independent finance company that is not affiliated with the Bank or ATPM . BFI Finance is expected to benefit from the strong growth in motor vehicle sales and high penetration of new and used car financing in Indonesia. Indonesia has become one of the growing automobile market is growing very rapidly in the last 5 years. Purchase of motor vehicles through finance companies reached 80 % of total sales in 2010-2012 . Expansion strategy is planned to follow the momentum, where BFI Finance aggressively increase the number of active channels ( showroom ) and increase the volume of used car financing in 2012 . The aggressive strategy on the other hand it also means an increase in risk, particularly credit risk . Companies should enter into more risky financing structures, fund units with low resale value, or accept risky consumer profiles. This thesis attempts to measure the level of credit risk taken by the company related to the strategy using Vintage Analysis method, where the analysis results will be used by the Credit Policy section to mitigate the risk of the company. The data used in this assessment was obtained from several sources including but not limited to the Audited Financial Statements of PT. BFI Finance in 2011 and 2012, the company�s datawarehouse , enterprise risk management reports , and other sources found on the internet . From the analysis , it is known that the company's credit risk is higher in 2012 used car financing, when compared with the previous year . Company entered into a more risky financing structure such as low down payment and long tenor. Recommendations for changes in Credit Policy also included in this thesis, including the tightening of consumer profiles.