Evaluasi Manajemen Risiko Dalam Penerapan Kebijakan Restrukturisasi Saat Pandemi Covid-19 Pada Bank ABC.
Abstrak
Banking which has a role as a source of financing for the community faces
many risks, one of which is credit risk. This risk possibility was increased,
especially during the COVID-19 pandemic, which caused uncertainty on
the economic circumstances and conditions. For this reason, the Financial
Services Authority (OJK) issued the POJK RI Number 11/POJK.03/2020
concerning National Economic Stimulus as a Countercyclical Policy which
underwent two amendments, namely POJK Number 48/POJK.03/2020 and
POJK Number 17 /POJK.03/2021. Bank is expected to capable in identify
the risks it faces and establish comprehensive mitigations to ensure its
objectives can still be achieved. The purpose of this study is to evaluate
Bank ABC's credit risk management policies related to the implementation
of the Countercyclical Policy from OJK. This research is a case study
conducted in qualitative research methods through interviews and analysis
of Bank's Internal Policy Documents and Annual Reports. The result shows
that Bank ABC undergo a credit risk management policy. Despite the facts
there are still weaknesses, Bank ABC has implemented credit risk
management principles according to the framework and regulations in
force. Evidently, its implementation has a positive impact on the bank's
financial performance in 2021, such as NPL and CAR
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