Analisis Manajemen Risiko Kredit dalam Meminimalisir Kredit Bermasalah pada Kredit USAha Rakyat (Studi pada Bank Jatim Cabang Mojokerto)

摘要

This research is aimed to analyze the application of credit risk management to minimize non performing loan of Kredit Usaha Rakyat (KUR) in Bank Jatim Cabang Mojokerto and to find out the implementation of effective credit risk management to minimize non performing loan of Kredit Usaha Rakyat (KUR) in Bank Jatim Cabang Mojokerto. The type of research which is used in this study is descriptive research. The findings show that Bank Jatim Cabang Mojokerto has properly implemented active surveillance by commissioners and directors, policies, procedures and credit limitation, the process of identification, measurement, monitoring and credit risk management information systems, and a credit risk controlling. This study suggests the bank to maintain the independency of the credit staffs and improve credit monitoring process.