Analisis pengaruh faktor-faktor Credit Risk Management terhadap tingkat kolektibilitas kredit di bank Mandiri

GANTINA, Ginanjar, Jogiyanto Hartono, Prof.Dr.,MBA

2005 | Tesis | Magister Manajemen

Kesadaran akan perlunya Manajemen Risiko menjadi semakin penting, walau masih banyak Manajemen Bank yang berpendapat bahwa pembangunan sebuah program manajemen risiko hanya menambah beban bank Dalam perjalanannya, mengimplementasi Credit Risk Management tidaklah sesederhana dan semudah yang dibayangkan. Implementasi Credit Risk Management di Bank Mandiri bertujuan merubah cakrawala yang selama ini telah terbentuk dari masing-masing legacy Bank yang bergabung. Di dalam penelitian ini, variabel yang akan diteliti ada tujuh variabel yakni Credit Risk Management (Financial Condition, Legal status, Relationship, Market position, Management, Viability dan Development) sebagai variabel predictor/penentu untuk mengetahui bagaimana pengaruhnya terhadap tingkat kolektibilitas kredit. Untuk mengetahui pola hubungan antara variabel bebas Credit Risk Management dengan variabel terikat tingkat kolektibilitas kredit digunakan analisis regresi dan korelasi berganda. Dari tujuh variabel yang diteliti, hanya tiga variabel yang berpengaruh signifikan terhadap tingkat kolektibilitas kredit yakni Relationship, Financial Condition dan Viability.

The role of Risk Management in a bank is urgently needed. Some of the executives in the bank are still reluctant to imply the risk management because of the cost. To implement Credit Risk Management in a bank is not simple as thought. In PT. Bank Mandiri (Persero) Tbk., the implementation of Credit Risk Management will change the perspective of the person from ex legacy how to manage the risk. In this paper, there are 7 variables of CRM that will be explored to know how they can influence the credit collectibility. The regression analysis and double correlation will be used in order to know the correlation between CRM independent variable and dependent variables (credit collectibility). From the 7 variables that are researched, there are only three variables having the significant impact to Credit Collectibility which are Relationship, Financial Condition and of Viability.

Kata Kunci : Credit Risk Management,Kolektibilitas Kredit,Bank Mandiri, Credit Risk Management, Financial Condition, Legal Status, Relationship, Market Position, Management, Viability, Development, Credit Collectibility