scholarly journals ANALISIS MANAJEMEN RISIKO KREDIT SEBGAI ALAT UNTUK MEMINIMALISIR RISKO KREDIT PADA BANK NAGARI CABANG PEMBANTU SIMPANG HARU

2020 ◽  
Author(s):  
jhon fernos ◽  
Oriza Satifa
Keyword(s):  
Risk Factors ◽  
Risk Management ◽  
Credit Risk ◽  
Risk Measurement ◽  
Monitoring And Control ◽  
Credit Risk Management ◽  
Measurement Monitoring ◽  
Special Concern ◽  
Credit Risk Measurement ◽  
And Control

This study aims to determine the application of credit risk management and criteria as well as efforts to minimize credit risk in Bank Nagari Simpang Haru Sub-Branch. In implementing credit risk management at Bank Nagari Simpang Haru Sub-Branch, it includes the identification, measurement, monitoring and control of credit risk. Credit risk is the risk of non-performing loans where the debtor must be under special surveillance while the credit measurement must be in accordance with the NPL, Non-perfoming loan (NPL) is very important for credit risk measurement at Bank Nagari Simpang Haru Sub-Branch, because it must be in accordance with the applicable provisions of the Bank Indonesia (BI), by using a non perfoming loan, it will be easy for the Bank to find out the criteria in analyzing credit risk where the Indonesian bank sets a maximum Npl of 5%. Credit collectability is the basis in calculating the level of NPL. Credit Risk Issues that appear at Bank Nagari Simpang Haru Sub-Branch, namely Problem Loans. In this case there are credit risk factors including internal banks, debtors and others. Thus the debtor becomes a factor that often arises and is of special concern.

Risk and risk management practices

2020 ◽  
Vol 11 (8) ◽  
pp. 1555-1581 ◽  
Author(s):  
Adel Elgharbawy
Keyword(s):  
Risk Management ◽  
Credit Risk ◽  
Management Practices ◽  
Archival Data ◽  
Islamic Banks ◽  
Monitoring And Control ◽  
Content Type ◽  
Different Types ◽  
Conventional Banks ◽  
And Control

Purpose This study aims to compare types and levels of risk and risk management practices (RMPs) including the recognition, identification, assessment, analysis, monitoring and control of risk in both Islamic and conventional banks. Design/methodology/approach A questionnaire survey was conducted among the Islamic and conventional banks in Qatar, together with an analysis of archival data extracted from the Thomson Reuters Eikon database for the period 2009-2018. Data were analysed using descriptive statistics, ANOVA and regression analysis. Findings Islamic banks encounter unique types and levels of risk that are not encountered by conventional banks. In Islamic banks, risks such as those of operation and Sharia non-compliance are perceived to be higher, while in conventional banks other risks such as those of credit and insolvency are higher; other risks, for example, liquidity risk, are faced by both. RMPs are determined by understanding risk and risk management, risk identification, risk monitoring and control and credit risk analysis, but not by risk assessment and analysis. However, the RMPs of the two types of bank are not significantly different, except in the analysis of credit risk. Research limitations/implications The study contributes to the debate in the literature by developing a better understanding of the dynamism of risk management in Qatari banks, which can be extended to similar contexts in the region. However, the relatively small sample size in only one country limits the possibility of generalizing the findings. The survey methodology is based on the perception of bankers rather than their actual actions and does not provide in-depth analysis for each type of risk, especially credit risk. However, using archival data, in addition to those from the survey, minimises the bias that would result from depending on one source of data. Practical implications The study provides valuable insights into the different types and levels of risk, as well as the RMPs in Islamic and conventional banks, which can help in guiding the future development and regulation of risk management in the banking sector of Qatar and its region. Originality/value The study helps to explain the mixed results of previous studies that compare types and levels of risk and RMPs in Islamic and conventional banks. Using different types of data and analysis, it provides evidence from one of the fastest growing economies in the world. It also addresses the concerns over RMPs in banks since the global financial crisis.

The Risk Measurement of the Space Launch Test Project Based on Gray Relational Analysis

2013 ◽  
Vol 718-720 ◽  
pp. 686-691
Author(s):  
Yao Dong Le ◽  
Fa Jie Wei ◽  
An Ying Liu
Keyword(s):  
Risk Factors ◽  
Risk Management ◽  
Risk Measurement ◽  
Gray Relational Analysis ◽  
Relational Analysis ◽  
Space Launch ◽  
Relational Degree ◽  
And Control ◽  
Test Project

The special nature of space launch test projects requires ground personnel to reduce the occurring probability of risk and ensure the success of the projects to the greatest extents. Hence how to accurately identify, measure, control and manage risk through effective measurement is currently a focus of risk management for space launch test projects. This paper identifies risk factors in all the stages of the space launch test projects, and analyzes and sorts them based on the gray relational degree. The results offer advices for ground personnel to make more precisely identification and control of risk.

scholarly journals Effect of Credit Risk Management on Financial Performance of Nigerian Listed Deposit Money Banks

2019 ◽  
Vol 5 (6) ◽  
pp. 53 ◽  
Author(s):  
KAJOLA Sunday Olugboyega ◽  
ADEDEJI Samuel Babatunji ◽  
OLABISI Jayeola ◽  
BABATOLU Ayorinde Tobi
Keyword(s):  
Risk Management ◽  
Credit Risk ◽  
Financial Performance ◽  
Capital Adequacy ◽  
Financial Health ◽  
Credit Risk Management ◽  
Return On Equity ◽  
Risk Parameters ◽  
And Control ◽  
Risk Measurements

<p>Deposit money banks are concerned with the provision of credit facilities in form of loans and advances to customers. These loans and advances are expected to be repaid by customers in line with the agreement reached with their bankers. Customers’ default in the repayment of loans and advances at the agreed period may lead to bad and doubtful debts and this can affect the financial health, profitability and going concern status of the bank. This study empirically explored the effect of credit risk management on the financial performance of ten listed deposit money banks in Nigeria for the period, 2005-2016. Credit risk management, the independent variable, was surrogated by three parameters- Non-performing Loan to total Loan Ratio (NPLLR); Non-performing Loan to total Deposit Ratio (NPLDR) and Capital Adequacy Ratio (CAR). Return on asset (ROA) and Return on equity (ROE) was used as proxies for financial performance. Using the Random effects generalised least squares (GLS) regression as data estimation technique, the study revealed that all the three credit risk parameters have a significant relationship with ROA and ROE (p&lt; 0.05).Based on the findings, the study recommended that the management of deposit money banks should develop rigorous and robust credit policies that will enable banks to effectively assess the creditworthiness of their customers. The regulatory agencies should also come up with modern credit risk measurements, identification and control. Prompt and necessary action should also be taken against the management of any bank that flouts their credit risk guidelines in order to avoid unpleasant distress in the financial system.     </p>

scholarly journals The Impact of OJK Regulation No. 48/POJK.03/2020 on the Quality of Credit and Risk Management of Banking Credit

2021 ◽  
Author(s):  
Christanto Arief Wahyudi ◽  
Evi Aryati Arbay
Keyword(s):  
Risk Management ◽  
Credit Risk ◽  
Secondary Data ◽  
Credit Risk Management ◽  
The Government ◽  
The Stability ◽  
And Control ◽  
The Impact ◽  
Banking Credit

The COVID-19 pandemic, which is spreading rapidly throughout the world, has seriously harmed many countries, including Indonesia. Many things have been detrimental due to COVID-19, one of which is the economic aspect. This pandemic made it difficult for many debtors to fulfil their credit obligations that led the government to issue a countercyclical policy to provide a stimulus to the national economy. This study aims to determine the impact of OJK Regulation No.48 of 2020 on credit quality and control of banking credit risk in Indonesia. The research method used is descriptive qualitative with a literature approach using secondary data. This OJK regulation regulates economic stimulus through credit restructuring and regulates the implementation of credit risk management in banks. The existence of this regulation can maintain the stability of banking performance by keeping the Non-Performing Loan (NPL) number below 5% and providing a reference for banks in risk management with a model that is relevant to economic conditions during the COVID-19 pandemic.

scholarly journals The Impact of OJK Regulation No. 48/POJK.03/2020 the Quality of Credit and Risk Management of Banking Credit

2021 ◽  
Vol 4 (1) ◽  
Author(s):  
Christanto Arief Wahyudi ◽  
◽  
Evi Aryati Arbay ◽  
Keyword(s):  
Risk Management ◽  
Credit Risk ◽  
Secondary Data ◽  
Credit Risk Management ◽  
The Government ◽  
The Stability ◽  
And Control ◽  
The Impact ◽  
Banking Credit

The COVID-19 pandemic, which is spreading rapidly throughout the world, has seriously harmed many countries, including Indonesia. Many things have been detrimental due to COVID-19, one of which is the economic aspect. This pandemic made it difficult for many debtors to fulfil their credit obligations that led the government to issue a countercyclical policy to provide a stimulus to the national economy. This study aims to determine the impact of OJK Regulation No.48 of 2020 on credit quality and control of banking credit risk in Indonesia. The research method used is descriptive qualitative with a literature approach using secondary data. This OJK regulation regulates economic stimulus through credit restructuring and regulates the implementation of credit risk management in banks. The existence of this regulation can maintain the stability of banking performance by keeping the Non-Performing Loan (NPL) number below 5% and providing a reference for banks in risk management with a model that is relevant to economic conditions during the COVID-19 pandemic.

Retail Credit Risk Management in Indian Public Sector Banks

2012 ◽  
Vol 3 (8) ◽  
pp. 31-37
Author(s):  
Nayan J. Nayan J. ◽  
◽  
Dr. M. Kumaraswamy Dr. M. Kumaraswamy
Keyword(s):  
Risk Management ◽  
Public Sector ◽  
Credit Risk ◽  
Credit Risk Management ◽  
Public Sector Banks ◽  
Retail Credit
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