Date: 26-01-2021 Digital Publication Services : JABM | JAM | ABMR | ABMCS | BLOG

Faculty Research

MODEL ANALISIS KREDIT PERBANKAN MENGGUNAKAN CREDIT SCORING SYSTEM (STUDI PADA BANK SWASTA NASIONAL DI JAWA TIMUR)

Detail
Author AMINUL AMIN
ID 202.710.169
Published Date 01-01-1900

Abstract

-Credit policy contains two dimensions, namely credit standards and credit cnalysis. Bank shall determine the level of acceptable risk in order to maximize the amount of benefits to be achieved. Related to credit policy, this study almed to test the ability of credit scoring system as an analytical model to predict the level quality of bank credit. This study used a sample of 150 customers of three private banks in East Java. Analysis using Partial Least Square (PLS) to test the model of credit scoring system. The analysis showed that the credit scoring system with a variable risk rating and other credit risk significantly influences credit quality. This proves that the credit scoring system is a credit scoring model that has been tested in this study. Thus the use of credit scoring system that will effectively be able to lower the risk rating and credit risk which is predicated to improve the quality of credit and loans will be smooth. Keyword: credit scoring system, risk rating, credit risk, credit quality