ANALISIS STRATEGI DALAM MENJAGA KUALITAS ASET DI TENGAH PERTUMBUHAN KREDIT TANPA AGUNAN STUDI PADA BANK NEGARA INDONESIA

Thomas Krisnadi Fajar Kusuma, Suyanto, S.E., M.B.A., Ph.D.

2026 | Tesis | S2 MANAJEMEN (MM) JAKARTA

Penelitian ini bertujuan untuk menganalisis strategi Bank Negara Indonesia dalam menjaga kualitas aset BNI Fleksi di tengah pertumbuhan Kredit Tanpa Agunan yang tinggi. Penelitian ini menggunakan pendekatan kualitatif dengan metode studi kasus. Data primer diperoleh melalui wawancara dengan Department Head Unsecured Loan, Manager Unsecured Loan, dan Manager Portfolio Management, sedangkan data sekunder berasal dari dokumen internal perusahaan.
Analisis dilakukan menggunakan pendekatan risk management melalui Enterprise Risk Management dengan pendalaman Credit Risk Management, Performance Management System  dianalisis dengan Performance Management System Framework, serta analisis Keselarasan risiko dan kinerja. Hasil penelitian menunjukkan bahwa BNI Fleksi telah memiliki mekanisme pengendalian risiko melalui kebijakan kredit, Risk Acceptance Criteria, monitoring portfolio, evaluasi kualitas kredit, dan koordinasi antarunit. Analisis Keselarasan menunjukkan bahwa target pertumbuhan dan kualitas aset telah menjadi bagian dari ruang lingkup evaluasi BNI Fleksi. Indikator pertumbuhan dan kualitas kredit juga telah digunakan secara bersamaan, serta didukung oleh pembagian peran antarunit. Namun, peningkatan NPL dan LaR menunjukkan bahwa penggunaan hasil monitoring sebagai dasar evaluasi dan tindakan korektif masih perlu diperkuat.

This study aims to analyze the strategy of Bank Negara Indonesia in maintaining the asset quality of BNI Fleksi amid the high growth of unsecured loans. This research uses a qualitative approach with a case study method. Primary data were obtained through interviews with the Department Head of Unsecured Loan, the Manager of Unsecured Loan, and the Manager of Portfolio Management, while secondary data were obtained from the company’s internal documents.
The analysis was conducted using a risk management approach through Enterprise Risk Management with a deeper focus on Credit Risk Management, Performance Management System analysis using the Performance Management System Framework, and an analysis of the alignment between risk and performance. The results show that BNI Fleksi has established risk control mechanisms through credit policy, Risk Acceptance Criteria, portfolio monitoring, credit quality evaluation, and inter-unit coordinationThe alignment analysis shows that growth targets and asset quality have been incorporated into the evaluation scope of BNI Fleksi. Growth and credit-quality indicators have also been used together and supported by inter-unit role allocation. However, the increase in NPL and LaR indicates that the use of monitoring results as a basis for evaluation and corrective action still needs to be strengthened.

Kata Kunci : BNI Fleksi, unsecured loan, asset quality, risk management, Performance Management System.