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Baidhowi
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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 Amelia Pingkan Nur Fitriana Anggitamarta Ratih Nugrahani Anisa Prabowo Antika Yuni Arsita Ayu Fitri Hapsari Ayuk Pebriyani Azzahra, Aulia Beatrice Mauren Delicia Bunga Nirvana Cahyani, Adinda Intan Dea Risti Aulia Dwi Liza Salsabila Eka Imroatun Khasanah Ekawahyuni, Nur Aini Erenz Erico Ervansyah, Muhammad Azriel Ester Aprilia Diyan Sari Faliha, Nafiza Salsabila Farras Eknu Albin Fathurrohman Nur Hidayat Ferita Maharani Fiana Suryaningtyas Wibowo Fifi Tri Ariani Firdha Apriliana Zahra Genta Buana Arfianto Putra Hanifah, Aniqah Hilda Fridatul Jannah Ibrahim Nanda Pratama Irma Juliana Zahwa Ismail, Zakiya Az Zikra Jannata, Salsabila Jelita Tibyana Shidqy Jesiana Naisela Putri Kanaia Brahmantia Hermanu Katon Adin Novaga Kurniawan, Alia Herawati Kurniawan, Reggiene Louisa Grace Gloria Hutagaol Manalu, Keren Maulana Habibie Yahya Mella Amanda Nuraini Muhammad Fathurrahman Muhammad Rizky Firdaus Syahputra Nadia Rizqa Setyaningrum Naila Praba Kirana Nathania, Nanda Riesta Nawa Udlma Aizama Nazwa Angrraeni Nia Malvin Faradila Nuraeni, Verlita Nurul Raudatul Auliah Pasaribu, Agnes Octavia Margaretha Prima Raharja Mulyana Putri, Sherenika Ranma ma Rendy Aprilio Sulaiman Restu Dimas Surya Pradipta Rikki Jitu Saputra Rindingpadang Risqi Budi Santoso Romauli Yohana Sinaga Ruth Shelomita Lumban Tobing Shafira Ramadhani Shely Nayla Putri Shofiah Nur Hikmah Tania Pakpahan Umala, Moh Vinita, Kezia Rona Widyasputri, Viesta Tya Amanda Wulandari, Arlenne Devillya Yonanda, Intan Zahara, Fuzia