Reducing The Chaotic Non-performing Loans' Permata Bank - Indonesia In 2016: The Case Of Unintentionally Usingg Tra And Triz

Sumiyana, Sumiyana and Nansi, Maria Regina (2021) Reducing The Chaotic Non-performing Loans' Permata Bank - Indonesia In 2016: The Case Of Unintentionally Usingg Tra And Triz. Indian Journal of Economics and Business, 20 (3). p. 64. ISSN 0972-5784

Text jurnal internasional pak sumi.pdf Download (1MB)

Abstract

This study investigates the strategic solution implemented by Permata Bank to reduce its high non-performing loan (NPL) ratio. The recorded NPL gross was 8.83%, and the NPL net was 2.24% in 2016. This study elaborates on the tactical strategy used by Permata Bank to lower its loan risk and why it decided to select the method it chose rather than the general system employed by the banking industry. This study identifies the main factors using RCA (root-cause analysis) and TRIZ (theory of solving inventive problems). Especially for RCA, the main reason for the high NPL ratio at Permata Bank was loan failures. The TRIZ concept then identified solutions to the problem and the appropriateness of those solutions. The research result shows that the NPL reduction strategy implemented by Permata Bank during the Chaos in 2016 was unquestionably valuable. Furthermore, this study infers that Permata Bank’s CEO conducted what an academic called the theories of RCA and TRIZ to accelerate the solution to the bank’s problem.

Item Type:	Article
Subjects:	L Education > L Education (General)
Divisions:	Fakultas Teknologi Industri > Bisnis Digital (S1) Bisnis Digital (S1)
Depositing User:	maria regina nansi
Date Deposited:	08 Feb 2022 03:02
Last Modified:	08 Feb 2022 03:02
URI:	http://eprints.akprind.ac.id/id/eprint/894

Actions (login required)

View Item