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All Journal Jurnal Hukum Saraswati Jurnal Adijaya Multidisiplin Indonesian Journal of Law and Justice Causa: Jurnal Hukum dan Kewarganegaraan Jurnal Kajian Islam dan Sosial Keagamaan Jurnal Media Akademik (JMA) JURNAL MULTIDISIPLIN ILMU AKADEMIK PENG: Jurnal Ekonomi dan Manajemen Jurnal Kajian Hukum Dan Kebijakan Publik Jurnal Riset Multidisiplin Edukasi Tadhkirah: Jurnal Terapan Hukum Islam dan Kajian Filsafat Syariah Ekopedia: Jurnal Ilmiah Ekonomi Jejak digital: Jurnal Ilmiah Multidisiplin Jurnal Miftahul Ilmi: Jurnal Pendidikan Agama Islam META - JOURNAL Law Research Review Quarterly Journal of Literature Review
Baidhowi
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Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics 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 Ahmad Haikal Manggabarani Alia, Rahma 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 Ester Aprilia Diyan Sari Fadhil Citra Darmakusuma Faliha, Nafiza Salsabila Farras Eknu Albin Fathurrohman Nur Hidayat Ferita Maharani Fifi Tri Ariani Firdha Apriliana Zahra Hanifah, Aniqah Hilda Fridatul Jannah Irma Juliana Zahwa Ismail, Zakiya Az Zikra Jannata, Salsabila Jelita Tibyana Shidqy Jesiana Naisela Putri Jezkhiel Septryan Jubilate Oppusunggu Kanaia Brahmantia Hermanu Kurniawan, Reggiene Luhung Cahya Adi Manalu, Keren Mella Amanda Nuraini Muhammad Afrizal Habibie Muhammad Faisal Firdaus Muhammad Fathurrahman Muhammad Rizky Firdaus Syahputra Muhammad Zidan Ramadhan Naila Praba Kirana Nathania, Nanda Riesta Nauval Athalah Ramadani Nawa Udlma Aizama Nayla Oktri Ramadhani Nazwa Angrraeni Nina Handayani Novita Eka Wardhani Nuraeni, Verlita Nurul Raudatul Auliah Pasaribu, Agnes Octavia Margaretha Putri, Fara Diva Arrum Clarisa Raja Huwaidi Kamil Rendy Aprilio Sulaiman Restu Dimas Surya Pradipta Rikki Jitu Saputra Risqi Budi Santoso Rizky Ramadhani Romauli Yohana Sinaga Ruth Shelomita Lumban Tobing Shafira Ramadhani Sijabat, Tama Amelia Putri Surya Wira Yudhayana Umala, Moh Vinita, Kezia Rona Widyasputri, Viesta Tya Amanda Wulandari, Arlenne Devillya Yonanda, Intan Zahara, Fuzia ‘Aabidah, Darian Ezra