ANALISIS PENGELOLAAN DAN PELAPORAN PINJAMAN BERMASALAH PADA BPD JATENG CAB. UNGARAN, STUDI KASUS STRATEGI PEMULIHAN DAN MITIGASI RISIKO

Maurine, Rr. sandrina Maurine (2025) ANALISIS PENGELOLAAN DAN PELAPORAN PINJAMAN BERMASALAH PADA BPD JATENG CAB. UNGARAN, STUDI KASUS STRATEGI PEMULIHAN DAN MITIGASI RISIKO. Skripsi thesis, University BPD.

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Abstract

This study analyzes the management and reporting of non-performing loans at BPD Jateng Cabang Ungaran, focusing on recovery strategies and risk mitigation to reduce the Non-Performing Loan (NPL) ratio. Using a qualitative descriptive method, data were collected through interviews, observations, and document analysis. The findings show that the bank applies the 5C principle, an early warning system, and credit restructuring as recovery strategies. Risk mitigation is carried out through portfolio diversification, staff training, and compliance with Financial Services Authority (OJK) regulations. These strategies effectively reduce NPL and enhance financial stability. This study recommends continuous innovation in risk management.

Item Type: Thesis (Skripsi)
Additional Information: Penelitian ini menganalisis pengelolaan dan pelaporan pinjaman bermasalah di BPD Jateng Cabang Ungaran, dengan fokus pada strategi pemulihan dan mitigasi risiko untuk menekan Non-Performing Loan (NPL). Menggunakan metode deskriptif kualitatif, data diperoleh melalui wawancara, observasi, dan analisis dokumen. Hasil penelitian menunjukkan bahwa bank menerapkan prinsip 5C, sistem peringatan dini, serta restrukturisasi kredit sebagai strategi pemulihan. Mitigasi risiko dilakukan melalui diversifikasi portofolio, pelatihan staf, dan kepatuhan terhadap regulasi OJK. Strategi ini efektif dalam menekan NPL dan meningkatkan stabilitas keuangan. Penelitian ini merekomendasikan inovasi berkelanjutan dalam manajemen risiko.
Uncontrolled Keywords: Non-Performing Loan, Risk Mitigation, Credit Management, Loan Recovery.
Subjects: H Social Sciences > H Social Sciences (General)
Divisions: Faculty of Law, Arts and Social Sciences > School of Management
Depositing User: Wisudawan S1
Date Deposited: 18 Oct 2025 06:55
Last Modified: 18 Oct 2025 06:55
URI: http://eprints.stiebankbpdjateng.ac.id/id/eprint/2886

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