Analysis of Risk Management Implementation in Minimizing Credit Risk at Lembaga Perkreditan Desa of Ganggangan Cangi Batuan Kaler Sukawati District

Cahyani, Ni Luh Putu Chalena and Karmana, I Wayan and Suwintana, I Ketut (2022) Analysis of Risk Management Implementation in Minimizing Credit Risk at Lembaga Perkreditan Desa of Ganggangan Cangi Batuan Kaler Sukawati District. Repositori Politeknik Negeri Bali.

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Abstract

LPD is a non-bank financial institution that operates in the Bali area and adheres to awig-awig both written and unwritten and based on the principle of kinship. However, LPD is not without risk. The presence of the Covid-19 virus in Indonesia increases credit risk. Therefore, efforts are needed to minimize credit risk through the implementation of risk management. The type of research used in this study is a qualitative research with a descriptive approach. Analysis of the data used is an analysis of active supervision from the supervisory body, policies and adequacy of procedures, risk identification processes, monitoring, measurement and internal control. This research is sourced from primary data and secondary data. The results of this study indicate that the LPD of the Ganggangan Cangi Traditional Village has not fully implemented risk management based on the analysis of the data used. This is because there is no written SOP that is used as a guide in the application of risk management and credit granting procedures. However, the supervisory body has carried out active supervision of the operational activities of the LPD with the aim of knowing the conditions and monitoring the performance of the LPD from time to time.

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