| Summary: | Increasingly competition in global market including banking
industry drives management to change rapidly their business strategy in order to
adapt with market condition, one of the result is to bring out the new loan
products. This new products need a risk measurement model which can give
enough information for management to evaluate all the loan product delivered,
especially those product which the working process are being simplified.
Credit Risk+ method is one of internal method in credit risk measurement.
This method is considered as the suitable method to measure ABC Bank�s new
product risk : Kredit Wirausaha. The characteristic of the product which is
delivered to small médium enterprises market segmentation, result on various
amount of exposures (usually categorized as small amount loan) on large amount
of costumers.
With great expectation on the result of this study, is to give benefit to ABC
Bank management such as a worthful information on new product�s risk and the
amount of reserved capital to provide as the consequences of this new product
released.
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