Analisis Penerapan Manajemen Risiko Kredit Bank NTT dalam Pembiayaan Kredit Kontruksi untuk Meminimalkan Kredit Bermasalah (Studi Kasus di Bank NTT pada Cab. Nagekeo)

Dafa, Novi (2024) Analisis Penerapan Manajemen Risiko Kredit Bank NTT dalam Pembiayaan Kredit Kontruksi untuk Meminimalkan Kredit Bermasalah (Studi Kasus di Bank NTT pada Cab. Nagekeo). S2 thesis, Universitas Kristen Indonesia.

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Abstract

Pertumbuhan pesat industri keuangan dan kompleksitas operasional perbankan yang semakin meningkat, bersamaan dengan peningkatan ketersediaan kredit, membawa dampak pada meningkatnya risiko dalam sektor keuangan. Peran perbankan dalam menghimpun dana melalui berbagai jalur seperti tabungan, deposito, giro, dan kredit memberikan peluang bagi masyarakat untuk berpartisipasi dalam pembangunan ekonomi. Penelitian ini bertujuan untuk menganalisis penerapan manajemen risiko kredit di PT. Bank NTT Cab. Nagekeo dalam pembiayaan kredit konstruksi guna meminimalkan risiko kredit bermasalah. Metode penelitian yang digunakan adalah pendekatan kualitatif, penelitian ini dilakukan dengan mengumpulkan data dari PT. Bank NTT Cab. Nagekeo, dan hasilnya dianalisis baik secara deskriptif. Subjek dalam penelitian ini ialah pihak internal bank yang bertugas di Bank NTT Cab. Nagekeo. Sedangkan teknik pengumpulan data meliputi observasi, wawancara dan dokumentasi. Hasil penelitian menunjukkan bahwa PT. Bank NTT Cab. Nagekeo telah menerapkan manajemen risiko kredit secara efektif dalam upaya meminimalisir risiko kredit macet. Langkah-langkah seperti identifikasi risiko, analisis penyebab kredit bermasalah, dan evaluasi penerapan manajemen risiko berkontribusi positif terhadap stabilitas keuangan perusahaan. Namun, meskipun PT. Bank NTT Cab. Nagekeo telah melaksanakan manajemen risiko kredit dengan baik, masih terdapat beberapa kekurangan seperti analisis kredit yang kurang hati-hati dan monitoring debitur yang belum sesuai peraturan. Namun, penerapan manajemen risiko sesuai dengan ketentuan Bank Indonesia. Hal ini dapat dilihat dari nilai NPL pada tahun 2018 – 2022 dimana nilai rata-rata nya mengalami penurunan sebesar 3.30% hingga 3.36% dengan nilai NPL tertinggi pada tahun 2019 mencapai 4.51% namun hal ini masih dibawah ketentuan dari Bank Indonesia. Sedangkan dalam penilaian KTD disini skor yang paling berdampak signifikan ialah KTD 2 dan KTD 5 dengan masing-masing skor sebesar 4 yang masuk pada kategori high, dengan mengacu pada pedoman penilaian risiko dari OJK. Kata Kunci : Manajemen Risiko Kredit, Kredit Konstruksi, Analisis 5C, Evaluasi Penerapan Manajemen Risiko. / The rapid growth of the financial industry and the increasing complexity of banking operations, along with the rise in credit availability, have led to heightened risks in the financial sector. The role of banks in gathering funds through various channels such as savings, deposits, demand deposits, and credit offers opportunities for the public to participate in economic development. This research aims to analyze the implementation of credit risk management at PT. Bank NTT Cab. Nagekeo Branch in financing construction credit to minimize the risk of problematic credit. The research method used is a qualitative approach. This research was conducted by collecting data from PT. Bank NTT Cab. Nagekeo Branch, and the results were analyzed descriptively. The subjects of this research are the internal parties of the bank working at PT. Bank NTT Cab. Nagekeo Branch. Data collection techniques include observation, interviews, and documentation. The results of the study show that PT. Bank NTT Cab. Nagekeo Branch has effectively implemented credit risk management in efforts to minimize the risk of non-performing loans. Steps such as risk identification, analysis of the causes of problematic credit, and evaluation of risk management implementation positively contribute to the financial stability of the company. However, despite PT. Bank NTT Cab. Nagekeo Branch having implemented credit risk management well, there are still some shortcomings, such as less careful credit analysis and debtor monitoring not fully in accordance with regulations. Nonetheless, the implementation of risk management aligns with Bank Indonesia's regulations. This is evidenced by the NPL values from 2018 to 2022, where the average value decreased from 3.30% to 3.36%, with the highest NPL value in 2019 reaching 4.51%, which is still below the threshold set by Bank Indonesia. In the assessment of KTD (Key Risk Indicators), the most significantly impacted scores are KTD 2 and KTD 5, each scoring 4, which falls into the high category, referring to the risk assessment guidelines from OJK (Financial Services Authority). Keywords: Credit Risk Management, Construction Credit, 5C Analysis, Evaluation of Risk Management Implementation.

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