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Baidhowi
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Medicine & Pharmacology Social Sciences Other

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Journal : META - JOURNAL

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Banking Risk Management Strategies In Addressing Credit Issues In Indonesia Ismail, Zakiya Az Zikra; Nathania, Nanda Riesta; Baidhowi
Maksimal Jurnal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol 2 No 5 (2025): June
Publisher : Abadi Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/meta-journal.v2i5.341

Abstract

The issue of credit, particularly the increasing rate of Non-Performing Loans (NPLs), has become one of the primary challenges in Indonesia’s banking sector. To address this risk, banks apply various risk management strategies to maintain financial stability and prevent more severe losses. This study aims to analyze the risk management strategies implemented by banks in tackling credit problems in Indonesia. Through effective risk management, banks can reduce NPL levels, maintain financial stability, and enhance public trust in the Indonesian banking system. This research was conducted using a qualitative method through literature analysis and secondary data obtained from various credible sources. The primary focus of this study is to examine the steps taken by banks to identify, assess, and control credit risks in order to suppress the growth of Non-Performing Loans (NPLs). Strategies implemented include the application of strict credit assessment systems, diversification of loan portfolios, and the utilization of technology to continuously monitor debtor performance. In addition, credit restructuring policies and the strengthening of corporate governance are also considered effective preventive measures to ensure financial stability.
Co-Authors Adilano, Abyan Afrilia Era Vazira Amelia Pingkan Nur Fitriana Anggitamarta Ratih Nugrahani Ayu Fitri Hapsari Ayuk Pebriyani Azzahra, Aulia Beatrice Mauren Delicia Bunga Nirvana Cahyani, Adinda Intan Citra Bethari Ratih Dea Risti Aulia Eka Imroatun Khasanah Fadhil Citra Darmakusuma Faliha, Nafiza Salsabila Firdha Apriliana Zahra Hanifah, Aniqah Hilda Fridatul Jannah Irma Juliana Zahwa Ismail, Zakiya Az Zikra Jannata, Salsabila Kurniawan, Reggiene Manalu, Keren Muhammad Afrizal Habibie Muhammad Fathurrahman Muhammad Rizky Firdaus Syahputra Muhammad Zidan Ramadhan Nathania, Nanda Riesta Nauval Athalah Ramadani Nayla Oktri Ramadhani Nina Handayani Novita Eka Wardhani Nuraeni, Verlita Nurul Raudatul Auliah Pasaribu, Agnes Octavia Margaretha Raja Huwaidi Kamil Rikki Jitu Saputra Rizky Ramadhani Rolansa, Della Romauli Yohana Sinaga Ruth Shelomita Lumban Tobing Saputra, Rivaldy Amanda Shafira Ramadhani Surya Wira Yudhayana Umala, Moh Vinita, Kezia Rona Widyasputri, Viesta Tya Amanda Wulandari, Arlenne Devillya Yonanda, Intan Zahara, Fuzia