Sistem Pengukuran Kinerja dan Pengaturan Keorganisasian yang Ideal bagi Unit Kerja Pengelola Risiko Kredit, Studi Kasus PT Bank Mega, Tbk
This research will normatively reveal how credit analyst unit is set normatively in terms of its organization, and how its performance measurement system is developed in order to know its effectiveness, to mitigate credit risk of a bank which might cause systemic risk in the country. Research is don...
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| Main Authors: | , |
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| 格式: | Theses and Dissertations NonPeerReviewed |
| 出版: |
[Yogyakarta] : Universitas Gadjah Mada
2011
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| 主題: | |
| 在線閱讀: | https://repository.ugm.ac.id/89871/ http://etd.ugm.ac.id/index.php?mod=penelitian_detail&sub=PenelitianDetail&act=view&typ=html&buku_id=51039 |
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| 總結: | This research will normatively reveal how credit analyst unit is set normatively
in terms of its organization, and how its performance measurement system is
developed in order to know its effectiveness, to mitigate credit risk of a bank which
might cause systemic risk in the country.
Research is done qualitatively, using case study technique in credit analyst unit in
PT Bank Mega, Tbk, and content analysis to analyze relevant data gained from
internal and external sources. Data analysis shows that in banking organization, credit
analyst unit should not be put under the same supervision with business unit to avoid
intervention and conflict of interest. Credit analyst unit�s function and authority
should stay independent in order to let biases affect decision making in terms of
producing credit recommendation.
Thus, credit analyst unit�s performance measurement system is build based on
four perspectives of Balanced Scorecard as follows, (1) Financial, which is problem
loan cost minimization, (2) Customer, which is credit analyst unit�s strategic
constituent satisfaction, (3) Internal Process, which is credit analysis process
acceleration, and (4) Learning and Growth, which is credit analyst personal
competence enhancement. |
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