IMPLEMENTASI MANAJEMEN RISIKO DALAM MENINGKATKAN KESEHATAN BANK KONVENSIONAL

Abstract

Abstrak

Manajemen risiko merupakan serangkaian metodologi dan prosedur yang digunakan untuk mengidentifikasi, mengukur, memantau, dan mengendalikan Risiko yang timbul dari seluruh kegiatan usaha bank. Permasalahan yang diangkat dalam penelitian ini, pertama bagaimana implementasi manajemen risiko di bank konvensional, kedua bagaimana risiko bank jika gagal menerapkan manajemen risiko bank. Penelitian ini bersifat yuridis normatif, hasil dari penilitian menyimpulkan bahwa, pertama, manajemen risiko sangat penting untuk meningkatkan bank dalam keadaan sehat, Peraturan Otoritas Jasa Keuangan Nomor 18/POJK.03/2016 tentang Penerapan Manajemen Risiko Bagi Bank Umum sebagai dasar bank menerapkan manajemen risiko. Beberapa bank gagal menerapkan manajemen risiko, kegagalan tersebut mengakibatkan bank mengalami kerugian salah satunya meningkatnya angka kredit bermasalah. Kedua, risiko dapat ditanggung bank jika bank gagal menerapkan manajemen risiko, antara lain: risiko kredit, risiko likuiditas, risiko stratejik, risiko hukum dan yang paling buruk bank dapat mengalami pailit jika kerugian akibat kegagalan bank menerapkan manajemen risiko terus terjadi.

Kata kunci: Bank Konvensional, Manajemen Risiko, Penerapan.

Abstract

Risk management is a series of methodologies and procedures used to identify, measure, monitor and control risks arising from all bank business activities. The problems raised in this research are, first, how is the implementation of risk management in conventional banks, second, what is the risk of the bank if it fails to implement bank risk management. This research is normative juridical, the results of the research conclude that, first, risk management is very important to improve banks in a healthy state, Financial Services Authority Regulation Number 18/POJK.03/2016 concerning Implementation of Risk Management for Commercial Banks as a basis for banks implementing risk management . Several banks failed to implement risk management, this failure resulted in the bank experiencing losses, one of which was an increase in the number of non-performing loans. Second, risks can be borne by the bank if the bank fails to implement risk management, including: credit risk, liquidity risk, strategic risk, legal risk and at worst a bank may experience bankruptcy if losses due to bank failure to implement risk management continue to occur.

Keywords: Conventional Banks, Risk Management, Implementation.