Proceedings of the 1st International Conference on Research in Social Sciences and Humanities (ICoRSH 2020)

Analysis of Credit Risk Management for the MSME Segment in cases the Situation of the Covid-19 Pandemic (Case Study at PT Bank XXX)

Authors
Mangandar Febritson1, Ludovicus Sensi2
1,2Magister Akuntansi, Fakultas Ekonomi dan Bisnis Universitas Indonesia, Jakarta, Indonesia
Corresponding Author
Mangandar Febritson
Available Online 16 November 2021.
DOI
10.2991/assehr.k.211102.146How to use a DOI?
Keywords
Covid-19 Pandemic; Risk Management; Risk Management Framework; Constrain
Abstract

This study aims to analyze the application and constraints faced in the credit risk management process in cases the Covid-19 pandemic situation in accordance with the risk management framework and POJK so that credit risk can be managed and does not interfere with the Bank’s business continuity. The method used in this study is qualitative with a case study approach to explore deeply the risk management process and the constraints faced by Bank XXX in accordance with the Risk Management Framework Best Practice by considering Inherent Risk Assessment, Risk Management Implementation Quality Assessment, Evaluation of Risk Control Adequacy. The conclusion in this study is that Bank XXX has carried out a risk management process well in cases the Covid-19 Pandemic situation, but there are still some obstacles faced, namely the weak independence and objectivity of the Risk Management Function in the Work Unit, Lack of risk awareness of each individual, Management data tools operational and credit risks that are not yet optimal, audit data, compliance data, data on risk management tools that are not yet integrated, as well as obstacles in the application of the credit restructuring process.

Copyright
© 2021 The Authors. Published by Atlantis Press SARL.
Open Access
This is an open access article under the CC BY-NC license.

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Volume Title
Proceedings of the 1st International Conference on Research in Social Sciences and Humanities (ICoRSH 2020)
Series
Advances in Social Science, Education and Humanities Research
Publication Date
16 November 2021
ISBN
10.2991/assehr.k.211102.146
ISSN
2352-5398
DOI
10.2991/assehr.k.211102.146How to use a DOI?
Copyright
© 2021 The Authors. Published by Atlantis Press SARL.
Open Access
This is an open access article under the CC BY-NC license.

Cite this article

TY  - CONF
AU  - Mangandar Febritson
AU  - Ludovicus Sensi
PY  - 2021
DA  - 2021/11/16
TI  - Analysis of Credit Risk Management for the MSME Segment in cases the Situation of the Covid-19 Pandemic (Case Study at PT Bank XXX)
BT  - Proceedings of the 1st International Conference on Research in Social Sciences and Humanities (ICoRSH 2020)
PB  - Atlantis Press
SP  - 1068
EP  - 1074
SN  - 2352-5398
UR  - https://doi.org/10.2991/assehr.k.211102.146
DO  - 10.2991/assehr.k.211102.146
ID  - Febritson2021
ER  -