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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis
Muhammad Rosihan Anwar
Institut Teknologi Bandung
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Energy Other

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Strategies for Reducing Non-Performing Loans at BPR Papua Mandiri Makmur: An Analysis of Internal Credit Management Practices Muhammad Rosihan Anwar; Raden Aswin Rahadi
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 14 No 4 (2026): October
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v14i4.12162

Abstract

This study investigates the internal operational determinants of Non-Performing Loan (NPL) formation at BPR Papua Mandiri Makmur (BPR PMM), focusing on Account Officer (AO) competence, monitoring discipline, and SOP implementation. A qualitative case study design was employed. Data were collected through semi-structured interviews with ten internal respondents and four external practitioners, with thematic analysis applied across all transcripts. Three interconnected failure layers were identified: origination competence gaps (collateral over-weighting, omset inflation), reactive monitoring architecture (no risk-differentiated protocol or visit log), and SOP governance failures (normalized incomplete-file disbursement, incentive misalignment). This study extends Human Capital Theory, Credit Supervision Theory, and Internal Control Theory to the specific context of a remote rural bank in eastern Indonesia, contributing process-level evidence on how operational weaknesses interact to produce NPL outcomes. Rural bank credit risk; Account Officer judgment; loan monitoring architecture; SOP governance; internal determinants of default; qualitative case study.
Co-Authors Raden Aswin Rahadi