EVALUASI PENERAPAN RISK MANAGEMENT DALAM MEMITIGASI RISIKO KREDIT PADA PERUSAHAAN PEMBIAYAAN PT X FINANCE CABANG PROBOLINGGO
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Abstract
Penelitian ini bertujuan untuk memberikan rekomendasi perbaikan manajemen risko yang diterapkan oleh PT X Finance cabang Probolinggo. Penelitian ini bersifat kualitatif dengan objek penelitian PT X Finance cabang Probolinggo. Masalah yang terjadi di PT X Finance adalah nilai overdue ratio yang terus meningkat dari tahun sebelumnya. Nilai overdue ratio yang terus meningkat akan dapat menyebabkan financial distress. Agar overdue ratio ini tidak terus meningkat dan menyebabkan kerugian perusahaan, maka perusahaan memerlukan perbaikan dalam proses manajemen risiko. Penelitian ini berfokus pada rekomendasi perbaikan proses manajemen risiko, khususnya risk response perusahaan dalam memitigasi risiko kredit yang ada. Temuan dari penelitian ini adalah sebagian besar risiko kredit PT X Finance disebabkan oleh kesalahan proses analisis, identifikasi, dan evaluasi risiko. Selain itu, juga terdapat risiko kredit yang masih belum diantisipasi oleh perusahaan sehingga menyebabkan tingginya overdue ratio dan loss pada perusahaan.
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