Analisis Manajemen Risiko Kredit sebagai Alat untuk Meminimalisir Risiko Kredit pada Produk Krasida pada PT Pegadaian (Persero) Kanwil I Medan

Abstract

PT Pegadaian (Persero) is a state-owned enterprises engaged in non bank financial services to provide credit to the pawn system. Based on the research note, that in Pegadaian are credit risk (Non Performing Loan / NPL) in KRASIDA product. Although still in a secure risk profile, but still required the analysis of the effectiveness of risk management of credit as a tool to minimize credit risk, because as it is known, there are still credit problems. The purpose of this study was to determine the level of credit risk management as a tool to minimize credit risk in KRASIDA product. This study used a qualitative approach with descriptive research. Data collection methods used in this research is interview and observation. The informants of this research is the manager in Risk Management and manager in the Installment Loans Pawn System (KRASIDA) PT. Pegadaian (Persero) Regional Office I Medan. The final results showed that as a whole the risk management analysis and ratio of NPL (Non Performing Loan) can be obtained that the level of risk management of credit period in 2015 categorized as very good, which is known by calculating the ratio of NPL which produces an average of below 5%, which indicates that the level of credit risk safely and in a healthy state