EFEKTIVITAS MANAJEMEN RISIKO DALAM MENGENDALIKAN RISIKO KREDIT DI PT BANK RAKYAT INDONESIA

Abstrak

The purpose of this research is to know the risk management in controlling credit risk and to know the effectiveness of risk management at PT Bank Rakyat Indonesia (Persero) Tbk Branch Unit Gerenceng Denpasar. Data collection method used is direct interview with bank manager. Analytical techniques in the form of descriptive analysis techniques, to analyze risk management, interpret and determine suggestions. Based on the data analysis found that the NPL of BRI Bank Gerenceng Unit is below 5%. Risk management has implemented risk identification, measurement and evaluation through 5C and risk management. The measurement of the effectiveness of risk management has resulted that the credit that runs KUPEDES and Bri Guna Mikro is at very ineffective level which is below 40%, and KUR Mikro is in very effective effectiveness level because it is above level 79,99%.