<![CDATA[The  effectiveness  and  the  efficiency  of  controlling and managing credit is become the most important things that need to be considered  in bank, due to the function  of bank as an  intermediation  in  collecting  and  disbursement  of  people money and credit become the largest source of income for the corresponding  bank.  PT.  XYZ  (persero)  Tbk  is  the  fourth largest  bank  in  Indonesia.  As  one  financial  institution  that plays an important role in the economical  sector of Indonesia, XYZ has to maintain the stability of their performance. In maintaining  the  stability  of  their  performance,  PT.  XYZ (Persero)  Tbk  is  completed  with  a  tools  called  as  Internal Rating System (IRS) that could help them in analyzing the feasibility  of  the  potential  debtor  for  the  credit  approval. However,  as the economy  fluctuation  in Indonesia,  PT.  XYZ (Persero)  Tbk faces  a problem  related  with  the increment  of the NPL (Non-Performing  Loan). It is due to the errors of the company  in determining  the  weighted  value  in IRS.  Where they were giving the same weighting value for a different economical sectors, in fact each economical sector are having a different  risk and characteristics.  This research  would give a proposed solution for PT. XYZ (Persero) Tbk as alternative solution  that  is new  weighting  model  for IRS  by considering the characteristics and risks for each economical sector. Where the  implementation  of  this  new  weighting  model  hopefully could  help  PT.  XYZ  (Persero)  Tbk  in controlling  their  NPL ratios. Key Words:  Risk Management,  Internal  Rating System,  IRS, weighting model, banking, credit.  ]]>
Copyrights © 2012
