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|Title: ||Influence Analysis of Credit Risk Management SystemThe Organization Performance of Commercial Banking in Indonesia|
|Authors: ||Teddy, Oswari|
Tintri E. S, Dharma
|Keywords: ||credit risk management system|
|Issue Date: ||21-Jul-2010|
|Publisher: ||Academia Sinica|
|Series/Report no.: ||International Conference: Asia-Pacific Productivity Conference (APPC), Institute of Economic, Academia Sinica, NTU, Taipei, Taiwan;|
|Abstract: ||Credit risk management system of the organization's performance using contingency approach, which consists of four main variables, namely the business strategy, corporate culture, environment and organizational structure. This study reviews the process of credit risk management systems in commercial hanks in Indonesia. This study examined the influence of credit risk management system (risk identify, risk mesure mechanism and risk management mechanism) to organization performance.
Bank for International Settlements (The Basel Committee, 2000) explained that the credit risk of bank loans as a potential or counterparty will fail in the repayment of its obligations. Credit risk is the risk is greatest and most prominent faced by commercial banks and a major cause of bank failures in recent years faced by the management bank. (Fraser et., al. 2001; Angerer 2004).
The purpose of this model is to know the influence of credit risk management system with commercial bank in Indonesia. This research will be carried out on 97 respondent's level manager/ head of banking credit risk management, data collection with quesionarie measured and using the interval scale. Primary data are tested with multiple regression analysis, where the organization perlbrman as a bound variable (y) and a cecredit risk management system as a free variable (x). the results of regression analysis R2 figures for 41.1%, F = 2.916 with a significant p less than 0.05, meaning there is a positive relationship (PI = 0.421) is significant between the variables of credit risk management systems with organizational performance. Changes in organizational performance variation explained by the variables of credit risk management system for 41.1%, the rest is explained by other variables, this can be predicted in the relationship between credit risk management systems with the performance of public banks that can show results more powerful.|
|Appears in Collections:||Published Article Ekonomi|
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