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All Journal Accounting Progress
Saragih, Wulandari
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Economics, Econometrics & Finance

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Analisis Strategi Pemberian Kredit Dalam Upaya Mencegah Kredit Bermasalah (Non Performing Loan) Pada PT Bank Rakyat Indonesia (Persero) Tbk Sari, Nanda Widiya; Fitrianingsih, Fitrianingsih; Saragih, Wulandari; Siregar, Attila Rania Insiyah; Husna, Asmaul
Accounting Progress Vol. 4 No. 1 (2025): Accounting Progress Edisi Juni 2025
Publisher : Sekolah Tinggi Ilmu Ekonomi Bina Karya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70021/ap.v4i1.215

Abstract

The research aims to analyze credit granting strategies to prevent Non-Performing Loans (NPL) at PT Bank Rakyat Indonesia (Persero) Tbk (BRI). The research focuses on reviewing strategies using the 6C approach (Character, Capacity, Capital, Collateral, Condition, and Constraints) in the credit granting process to minimize the risk of default. Additionally, a historical data analysis of the NPL ratio is conducted, comparing non-performing loans to the total credit granted. The findings indicate that consistently implementing the 6C approach significantly reduces the NPL level, particularly through strict evaluations of customer characteristics, financial capacity, and credit collateral. This study provides valuable insights into credit risk management and the formulation of more effective strategies to maintain BRI's financial stability amid dynamic economic challenges.
Co-Authors Asmaul Husna Fitrianingsih Fitrianingsih Sari, Nanda Widiya Siregar, Attila Rania Insiyah