PENGARUH PENERAPAN MANAJEMEN RISIKO TERHADAP KINERJA BANK PEMBIAYAAN RAKYAT SYARIAH (STUDI PADA BPRS SE- KOTA BANDAR LAMPUNG TAHUN 2024/2025
Keywords:
Risk Management, Financing, Problem FinancingAbstract
This research was conducted to determine the factors of problem financing and the application of risk management in efforts to prevent the occurrence of problem financing at PT. BPRS Hikmah Wakilah Banda Aceh. This research uses a qualitative research method with a descriptive approach. The techniques used to data collection were interviews and documentation. The results showed that the problem financing factors consisted of internal and external factors. The application of risk management used are risk identification, risk measurement, risk monitoring and risk control. The four risk management processes above belong 5C analysis, document completeness, and routine monitoring by conducting daily visits. In solving the problem financing of PT. BPRS Hikmah Wakilah Banda Aceh uses a persuasive approach by conducting considerations which are rescheduled, reconditioning, restructuring, and execution of guarantees. The application of risk management has been running effectively in minimizing the risk of financing problems, this is evidenced by a decrease in the level of non Performing Financing (NPF).
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