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All Journal Gudang Jurnal Multidisiplin Ilmu Jurnal Imiah Pengabdian Pada Masyarakat (JIPM)
Silvi Salavi Sauqina
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Manajemen Risiko Kredit Dalam Meminimalisir Risiko Ketidakmampuan Pembayaran Debitur Di PT. BPR Wutama Artha Jaya Jember Intan Mustikawati Putri; Silvi Salavi Sauqina; Sofiatul Munawaroh; Ayyu Ainun Mustafidah
Jurnal Imiah Pengabdian Pada Masyarakat (JIPM) Vol 1 No 3 (2024): Januari - Maret
Publisher : CV. ITTC INDONESIA

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Abstract

Credit Risk Management Approach in Minimizing the Risk of Debtor Inability to Pay at PT. BPR Wutama Artha Jaya Jember is still less relevant due to bad credit caused by several influencing factors and a lack of accountability on the part of the debtor, thus affecting the financial reporting entity, the profits generated and the impact on the bank's health. The purpose of this research is to determine the procedures for granting PT credit. BPR Wutama Artha Jaya Jember and its relationship to the problems that occur. The methods used are the Literature Study Method and the Qualitative Method. The results of this research are that to overcome bad credit at PT. BPR Wutama Artha Jaya is giving fines and for debtors who experience delays in payments as punishment for debtors so that debtors will be more disciplined in subsequent payments. The procedures for handling bad credit at BPR Wutama can be said to be poor due to the presence of irresponsible debtors, as evidenced by the periodic increase in NPL from quarterly reports, however, with the principle of prudence in following up on bad credit, efforts are still being made to handle bad credit. . And it is best for bank officers to carry out credit analysis in accordance with the established SOPs and in accordance with the actual situation, as well as emphasizing the performance of debtor development in order to minimize the risks that occur due to problem loans.
Manajemen Bank Sentral Dan Applikasinya Di Indonesia Silvi Salavi Sauqina; Siti Ainun Zahriya; Yulia Nur Afifah
Gudang Jurnal Multidisiplin Ilmu Vol. 2 No. 6 (2024): GJMI - JUNI
Publisher : PT. Gudang Pustaka Cendekia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59435/gjmi.v2i6.627

Abstract

Manajemen bank sentral merupakan proses pengelolaan dan pengaturan kebijakan moneter oleh bank sentral suatu negara. Tujuan utamanya adalah untuk mencapai stabilitas harga, menjaga stabilitas sistem keuangan, serta mendukung pertumbuhan ekonomi yang berkelanjutan. Bank sentral memiliki tujuan dan tanggung jawab untuk mencapai dan memelihara kestabilan nilai dari mata uang yang di edarkan dan untuk mendukung tercapainya tujuan tersebut , maka bank sentral perlu memiliki tata kelola yang baik seperti independensi, akuntabilitas, dan transparansi bank sentral. Metode yang digunakan dalam penelitian ini adalah studi perpustakaan dan literatur. Studi Literatur ini diperoleh dari 10 artikel yang dilakukan proses indifikasi dan terdapat 5 artikel yang sesuai dengan kriteria penelitian. Peranan Bank Sentral dalam Negara Bank Indonesia sangat penting bagi Negara Indonesia yang merupakanpusat perekonomian negara salah satunya yakni tatakelola bank sentral yang baik dan mempunyaikredibilitas tinggi terdiri dari indenpendensi yang mengacu pada kemampuan bank sentral dalampengendalian moneter, Transparansi yang mengacu padaKinerja bank sentral guna mendapat kepercayaan publikdan akuntanbilitas yang mengacu pada pengawasan yang ketat dari Bank Indonesia sebagai bank sentral Indonesia.
Co-Authors Ayyu Ainun Mustafidah Intan Mustikawati Putri Siti Ainun Zahriya Sofiatul Munawaroh Yulia Nur Afifah