Analisis Manajemen Risiko Sentra Kredit Bank PT XYZ Jakarta Timur Jakarta Timur

Abstract

Penelitian ini bertujuan untuk menganalisis proses bisnis, proses manajemen risiko, serta mengevaluasi kinerja manajemen risiko pada Sentra Kredit Bank PT XYZ Jakarta Timur. Penelitian ini menggunakan pendekatan kualitatif deskriptif melalui metode observasi, wawancara, dan studi dokumentasi. Hasil penelitian menunjukkan bahwa proses bisnis Sentra Kredit telah berjalan sesuai dengan prosedur operasional standar perbankan, khususnya dalam kegiatan penyaluran kredit kepada nasabah. Proses manajemen risiko yang diterapkan mencakup tahapan identifikasi, analisis, evaluasi, dan perlakuan risiko dengan menggunakan pendekatan Godfrey serta pemetaan risiko melalui heatmap berdasarkan standar Kementerian Keuangan. Meskipun demikian, implementasi manajemen risiko masih menghadapi kendala, antara lain belum lengkapnya dokumentasi risiko dan belum meratanya pemahaman seluruh pegawai mengenai manajemen risiko. Kinerja manajemen risiko dinilai belum optimal karena belum tersedianya sistem pengelolaan risiko yang terintegrasi dan berkelanjutan. Oleh karena itu, diperlukan peningkatan kompetensi sumber daya manusia, penguatan dokumentasi, serta perbaikan mekanisme evaluasi risiko secara berkala.

This study aims to analyze the business processes, risk management procedures, and evaluate the risk management performance at the Credit Center of Bank PT XYZ East Jakarta. The study employs a descriptive qualitative approach through observation, interviews, and document analysis. The results indicate that the business processes at the Credit Center are in accordance with standard banking operational procedures, particularly in the distribution of credit to customers. The implemented risk management process includes stages of identification, analysis, evaluation, and treatment, using the Godfrey approach and risk mapping through a heatmap based on the standards of the Ministry of Finance. However, the implementation of risk management still faces obstacles, such as incomplete risk documentation and uneven understanding of risk management among all staff members. The performance of risk management is assessed as suboptimal due to the absence of an integrated and sustainable risk management system. Therefore, improvements are required in human resource competencies, documentation strengthening, and the refinement of periodic risk evaluation mechanisms.