Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
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This Author published in this journals
All Journal Journal of Islamic economy and Community Engagement
Yaya, Rijal
Unknown Affiliation
Religion Economics, Econometrics & Finance Social Sciences

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Assistance in Enhancing Credit Risk Analysis Competence for Account Officers at PT. BPRS Bangun Drajat Warga Yogyakarta Danupranata, Gita; Yaya, Rijal; Hamsin, Muhammad Khaeruddin; Riduwan, Riduwan
Journal of Islamic Economy and Community Engagement Vol. 7 No. 1 (2026): Volume 7 No.1 2026
Publisher : FEBI UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jiecem.2026.7.1.3038

Abstract

Enhancing credit risk analysis competence for Account Officers (AOs) is crucial for maintaining financing portfolio quality and minimizing problematic financing risks. This service aims to identify competency needs, evaluate AOs’ analytical skills, and develop effective strategies through training and decision support system enhancements.   The service method uses classical training and online/offline consultation. Results show core competencies include character, capacity, capital, collateral, and condition of economy (5C) analysis, prudential principles, and sharia compliance. Improved competence significantly impacts risk assessment accuracy, financing process efficiency, and portfolio quality. This service recommends a sustainable development model based on structured learning, on-the-job coaching, and leveraging analytic technology to support objective credit assessment and risk control.
Co-Authors Danupranata, Gita Muhammad Khaeruddin Hamsin, Muhammad Khaeruddin Riduwan Riduwan, Riduwan