Analisis Manajemen Risiko Kredit Sebagai Alat Untuk Meminimalisir Risiko Kredit (Studi Kasus Pada PT. Bank Perkreditan Rakyat DAU Kusumadjaja Malang)

The implementation of this research is to find credit risk management as well as efforts to reduce the risk of credit to PT. Bank Perkreditan Rakyat Dau Kusumadjaja Malang. The methodology used in this research is descriptive research with a qualitative approach. The analyzed data analysis, credit risk management, the percentage of non performing loan (NPL) and handling of non-performing loans done by PT. Bank Perkreditan Rakyat Dau Kusumadjaja Malang. Result of research that the application of poor risk management covering: indentification bank credit, the measurement, control and monitoring credit risks. NPL of the December 2013 bank during the period to November 2014 experienced fluctuant. However, for the last 4 months is from August 2014 until November 2014 has been increasing up to 4,94 %. The cause of the problem from the condition of the increase in the NPL at the end of years 2014 faced by the debtor business a quiet, a debtor over leveraged elsewhere and the occurrence of been delayed harvesting. Banks in an attempt to minimize the risk of credit by applying the handling Non Performing Loan covering reschedulling, reconditioning, restructuring, conditional write-off, the seizure of collecteral and absolute write-off