Permata, Aulia Safnira Surya (2025) Penerapan Strategi Manajemen Risiko Kredit dalam Mengurangi NPL pada PT Bank Pembangunan Daerah Jawa Timur (BANK JATIM) Cabang Utama Surabaya. Diploma thesis, Universitas Hayam Wuruk Perbanas.
![[img]](http://eprints.perbanas.ac.id/style/images/fileicons/text.png) |
Text
ARTIKEL ILMIAH.pdf Restricted to Registered users only Download (638kB) |
|
Text
COVER.pdf Restricted to Registered users only Download (1MB) |
|
Text
BAB I.pdf Download (254kB) |
|
Text
BAB II.pdf Download (465kB) |
|
Text
BAB III.pdf Restricted to Registered users only Download (255kB) |
|
Text
BAB IV.pdf Restricted to Registered users only Download (297kB) |
|
Text
BAB V.pdf Download (170kB) |
|
Text
LAMPIRAN.pdf Restricted to Registered users only Download (859kB) |
Abstract
This study analyzes the effectiveness of handling non-performing loans (NPLs) at PT Bank Pembangunan Daerah Jawa Timur Tbk., Main Branch Surabaya. The aim is to evaluate the strategies implemented and their impact on the bank's NPL ratio. This research uses a descriptive qualitative method, with data obtained from observations and documentation of the NPL handling process. The results show that Bank Jatim has implemented a systematic process for handling NPLs, including a persuasive approach, warning letters,restructurization, and asset liquidation through collateral auctions. However, these efforts have not been fully effective. This is evident from the increase in the Gross NPL ratio from 2.74% in 2023 to 2.97% in 2024, and the Net NPL which rose from 1.21% to 1.52%. This increase indicates that the current strategies are still not effective in reducing the number of non-performing loans. Therefore, the study recommends the need for innovative strategies, such as implementing an Early Warning System, early restructuring, and tightening the selection process for prospective debtors. With these improvements, it is expected that Bank Jatim can manage credit risk more optimally and lower its NPL levels in the future. Keywords: Non-Performing Loan, NPL, Credit Restructuring, Credit Risk, Bank Jatim.
| Item Type: | Thesis (Diploma) |
|---|---|
| Subjects: | 600 - TECHNOLOGY > 650 - 659 MANAGEMENT & PUBLIC RELATIONS > 658 - GENERAL MANAGEMENT > 658.88 - CREDIT MANAGEMENT |
| Divisions: | Finance and Banking Diploma > Practice Working Report |
| Depositing User: | AULIA SAFNIRA SURYA PERMATA |
| Date Deposited: | 22 Sep 2025 04:46 |
| Last Modified: | 22 Sep 2025 04:46 |
| URI: | http://eprints.perbanas.ac.id/id/eprint/13804 |
Actions (login required)
 |
View Item |