Analisis Manajemen Risiko Perbankan Dalam Meminimalisir Kredit Bermasalah Di Bidang Kredit Modal Kerja (Studi Pada PT Bank Rakyat Indonesia (Persero) Tbk. Cabang Jombang)

The purpose of this research is to determine process of risk management to minimize non performing loan of working capital credit in PT Bank Rakyat Indonesia (Persero) Tbk. Jombang. The methods of research is descriptive methods with qualitative approach. The result of research showed that PT Bank Rakyat Indonesia (Persero) Tbk. Cabang Jombang has properly implemented risk management wich include: active surveillance by commissioners and directors, policies, procedures, and credit limitation, the process of identification, monitoring and credit risk management information systems, and credit risk controlling. The risk measurement is not appropriate with SE BI No. 11/25/PBI2009 about change of Form Letter No. 5/8/PBI/2003 about appliance of Risk Management for commercial bank. NPL bank for 3 years had fluctuating, in 2012 the percentage of NPL is 2,56% in 2013 the percentage is 1,46%, and in 2014 the percentage is 2,49%. Thia research suggests the bank to increased the risk management strategy, increasing credit risk measurement methods and improve the process of credit monitoring