Vol. 11 No. 2 (2021): Strategi : Jurnal Manajemen

View Vol. 11 No. 2 (2021): Strategi : Jurnal Manajemen

DOI: https://doi.org/10.52333/strategi.v11i2

Published: 2021-10-31

Articles

ANALISIS KREDIT BERMASALAH PADA PERBANKAN DI INDONESIA SELAMA MASA PANDEMI COVID-19

Amanda Oktariyani

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Abstract : This study aims to explain the condition of non-performing loans as measured by the level of NPLs in the five banks with the largest assets in Indonesia in the period 2018-2020. In addition, this study also wants to explain how credit management efforts have been carried out by the banking sector during the Covid-19 pandemic. Based on the results of the analysis, it was concluded that the five banks had NPL ratios below 5% so that it could be concluded that these banks were not in a bad condition of non-performing loans during that period. In addition, the bank implemented a selective credit restructuring policy as an effort to manage credit and maintain credit quality during the pandemic.

Abstrak : Penelitian ini bertujuan untuk menjelaskan kondisi kredit bermasalah yang diukur melalui tingkat NPL pada lima
bank dengan aset terbesar di Indonesia dalam periode waktu 2018-2020. Selain itu, penelitian ini juga ingin menjelaskan bagaimana upaya pengelolaan kredit yang dilakukan sektor perbankan selama pandemic Covid-19. Berdasarkan hasil analisis, disimpulkan bahwa kelima bank tersebut memiliki rasio NPL yang berada di bawah 5% sehingga dapat disimpulkan bahwa bank tersebut tidak berada dalam kondisi kredit bermasalah yang buruk pada periode itu. Di samping itu, bank menerapkan kebijakan restrukturisasi kredit dengan selektif sebagai upaya pengelolaan kredit dan menjaga kualitas kredit di masa pandemi.