Analisis Efektifitas Penerapan Strategi Menekan Tingkat Risiko Kredit PT. Bank Mandiri (Persero) Tbk.

Kurniawan, Arief Indra, Eko Budiwiyono, Drs., M.B.A.

2008 | Tesis | S2 Magister Management

Penelitian ini mencoba mengetahui faktor-faktor apa saja yang mempengaruhi keberhasilan Bank Mandiri dalam menekan NPL (Non Performing Loan) sebagai risiko kredit serta upaya atau strategi apa yang perlu dilakukan oleh Bank Mandiri berkaitan dengan pengelolaan aktivitas perkreditannya. Bank Mandiri sebagai bank terbesar dan hasil dari merger empat bank (Bank Dagang Negara, Bank Bumi Daya, Bank Ekspor Impor Indonesia dan Bank Pembangunan Indonesia) telah berhasil melampaui masa-masa kritis dari keterpurukan kredit bermasalah akib at dari peninggalan masing-masing ex legacy. Hal ini menarik perhatian penulis untuk mengetahui lebih dalam bagaimana strategi Bank Mandiri dalam menekan kredit bermasalah tersebut. Oleh karena itu penelitian ini terfokus untuk menganalisa efektifitas pene rapan strategi menekan tingkat risiko kredit. Berdasarkan latar belakang di atas, perumusan masalah penelitian ini adalah

Bagaimana bentuk formula strategi pengelolaan kredit yang diterapkan oleh Bank Mandiri untuk menekan tingkat risiko kredit dibandingkan dengan strategi-strategi yang umumnya diterapkan oleh industri perbankan, Bagaimana profil risiko dalam pengelolaan atau efektifitas proses pemberian kredit di Bank Mandiri khususnya melalui penerapan four eyes principles dan pembuatan organisasi baru (reorganisasi).

Setelah analisis dilakukan hasil penelitian menunjukan bahwa Bank Mandiri telah menerapkan manajemen perkreditan sesuai dengan praktik pemberian kredit yang sehat seperti umumnya berlaku (best market practicess), unit kerja terkait dalam proses pemberian kredit yang terdiri dari Business Unit (Small Business District Center), Risk Management, Regional Credit Operation dan Regional Credit

Recovery telah menerapkan manajemen risiko serta mentaati ketentuan-ketentuan yang berlaku dalam prosedur pemberian kredit terbukti hasil survey dari unit-unit kerja terkait semuanya menunjukkan risiko rendah (score>75), menunjukkan kesadaran yang tinggi atas pengelolaan kredit yang prudent melalui prinsip four eyes dalam setiap pengambilan keputusan kredit, dan lebih fokus dalam mengelola bisnis

di segmennya sehingga menjadi memiliki lebih banyak resources dan konsentrasi pengelolaan bisnis menjadi lebih baik. Kata kunci: Non Performing Loan, efektifitas, four eyes princples dan reorganisasi

This research try to know any kind factors of influencing efficacy of Bank Mandiri in depressing NPL (Non Performing Loan) as credit risk and also the efforts or strategy should be done by Bank Mandiri to get the manage credit activity. Bank Mandiri as the biggest state-owned bank in Indonesia and is the merger of four bank (Bank Dagang Negara, Bank Bumi Daya, Bank Ekspor Impor Indonesia and

Bank Pembangunan Indonesia), has succesded to overcome the critical condition of the non performing credit as the remainded from the past legacy. This particular issue

has drawn the writer's attention to obtain further information about how Bank Mandiri focuses on its protection effort to suppress the Non Performing Loan

problem. Thus, this analysis is focused on analyzing the effectiveness of the implementation strategy in suppressing the degree of credit risk. Based on the background of the problem above, the problem formulation of the analysis is concerning about how Bank Mandiri constructs a strategic formulation in suppressing the degree of credit risk and how the formulation itself is being compared with other formulation implemented by other banking institution. The

problem formulation of the analysis also concerns about the risk profile of the management and the effectiveness of credit allowance hand overing process in Bank Mandiri, especially through the implementation of four eyes principles and reorganization. After performing some researches in the analysis, the result shows that Bank

Mandiri has implemented the credit management in accordance with the practice of a healthy credit hand-overing, or best know as best market practices. In addition, the related working-unit which is consisted of Business Unit (Small Business District Center), Risk Management, Regional Credit Operation and Regional Credit Recovery, has also succeeded in implementing the risk management and complying with the existing rules in credit hand-overing procedures.

It is proven from all of the surveying result which shows the low risk (score>75) that indicates high awareness of a prudent credit management through four eyes principle in every credit decision taking, and it is more focus in managing business from its segmen so that Bank Mandiri has more resources and a better business management concentration. Keywords : Non Performing Loan, effectiveness, four eyes principles and reorganization

Kata Kunci : Non Performing Loan, efektifitas, four eyes princples dan reorganisasi