FUNGSI EARLY WARNING INDICATOR (EWI) PADA PEMANTAUAN KREDIT DENGAN KLASIFIKASI LOAN AT RISK SEBAGAI SALAH SATU FAKTOR PENENTU PROFITABILITAS BANK DI INDONESIA
Fungsi Early Warning Indicator (EWI) Pada Pemantauan Kredit dengan Klasifikasi Loan at Risk sebagai Salah Satu Faktor Penentu Profibilitas Bank di Indonesia
Abstract
The Covid 19 pandemic that hit the world, especially in Indonesia, impacted economic sectors, especially banking. Banks in Indonesia are obliged to conduct more in-depth monitoring of the quality of their productive assets, especially credit portfolios. Currently, the banking industry is still haunted by increased credit risk channeled due to the Covid-19 pandemic. Moreover, regulators have extended the restructuring program until next year. This will pressure the loan at risk (LAR) ratio, which also increases. If not mitigated, it will become bad credit. Loan at stake is an indicator of risk on credit channeled consisting of collectibility credit one that has been restructured, collectibility two or in particular attention, and non-performing loan (NPL) so that it will undoubtedly impact the Bank's profits. In line with this, special monitoring of debtors is needed. In line with this, the Bank requires early detection of debtors with the loan at risk classification (LAR).
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