EVALUASI PROSES MANAJEMEN RISIKO LIKUIDITASPADA UNIT USAHA SYARIAH (UUS)PT BANK BNI (PERSERO) TBK.
Due to increasing of funds needs and developing of banking products from capital market and technology break-through may affected to the ways of banking into getting funds and managing of liquidity risk. Liquidity risk means risk resulted from a financial instritution�s failure to pay its debt and...
| Main Authors: | , |
|---|---|
| Format: | Thesis |
| Published: |
[Yogyakarta] : Universitas Gadjah Mada
2012
|
| Subjects: |
| _version_ | 1797032252552511488 |
|---|---|
| author | , Sri Rezeki , DR. Sony Warsono, MAFIS |
| author_facet | , Sri Rezeki , DR. Sony Warsono, MAFIS |
| author_sort | , Sri Rezeki |
| collection | UGM |
| description | Due to increasing of funds needs and developing of banking products
from capital market and technology break-through may affected to the ways of
banking into getting funds and managing of liquidity risk.
Liquidity risk means risk resulted from a financial instritution�s
failure to pay its debt and obligation when due because of its ability to convert
assets into cash, or its failure to procure enough fund, or, if it can, that the fund
comes with an exceptionally high cost that may affect the institution�s income and
capital fund flow in the future. In addition, liquidity risk may be a results of a
financial institution�s inability to unwind or offset underlying risks from asset it
currently holds, a situation which will force the financial institution to sell its
assets at a loss as the assets are illiquid or the market is suffering a liquidity
crunch. Further, warning signals of a liquidity problem may include increasing
costs of funds, demand for collaterals despite no such requirement in the past, a
downgrade of credit rating, a reduction of loan amount or a decline of long-term
funding sources available to the company, support by related financial institution
and material change of the debt to equity ratio
This thesis is written in order to show how liquidity risk of
management process to apply at UUS Bank BNI by using daily data reports,
monthly data reports, maturity profiles of UUS Bank BNI, analysis is carried out
by processing the above data and compared it to relevant theories and using
descriptive method. And by using Richard Rumelt�s evaluation strategy approach,
that is, consistency aspect, consonance aspect, feasibility aspect, and advantage
aspect, the resuts of the evaluation indicate that the identification process of
liquidity risk, liquidity risk measurement, monitoring of liquidity risk, scope of
management information system of liquidity risk, and also scope of reporting
managements are not feasible, timely, comply with standard and operating
procedure and, also meets with prudential banking principles. Thus, it is overall
not arising from deviation of UUS Bank BNI�s business strategy.
Some improvement are necessary to achieve effective and efficient
on (1) financing business process, (2) human resources quality including their
characters and behavior of at all level, (3) management information system
through IT Networks in the holding office and also branches offices, (4)
concentrated portofolio funding sources, (5) risk control through ALCO. |
| first_indexed | 2024-03-13T22:35:46Z |
| format | Thesis |
| id | oai:generic.eprints.org:98347 |
| institution | Universiti Gadjah Mada |
| last_indexed | 2024-03-13T22:35:46Z |
| publishDate | 2012 |
| publisher | [Yogyakarta] : Universitas Gadjah Mada |
| record_format | dspace |
| spelling | oai:generic.eprints.org:983472016-03-04T08:49:00Z https://repository.ugm.ac.id/98347/ EVALUASI PROSES MANAJEMEN RISIKO LIKUIDITASPADA UNIT USAHA SYARIAH (UUS)PT BANK BNI (PERSERO) TBK. , Sri Rezeki , DR. Sony Warsono, MAFIS ETD Due to increasing of funds needs and developing of banking products from capital market and technology break-through may affected to the ways of banking into getting funds and managing of liquidity risk. Liquidity risk means risk resulted from a financial instritution�s failure to pay its debt and obligation when due because of its ability to convert assets into cash, or its failure to procure enough fund, or, if it can, that the fund comes with an exceptionally high cost that may affect the institution�s income and capital fund flow in the future. In addition, liquidity risk may be a results of a financial institution�s inability to unwind or offset underlying risks from asset it currently holds, a situation which will force the financial institution to sell its assets at a loss as the assets are illiquid or the market is suffering a liquidity crunch. Further, warning signals of a liquidity problem may include increasing costs of funds, demand for collaterals despite no such requirement in the past, a downgrade of credit rating, a reduction of loan amount or a decline of long-term funding sources available to the company, support by related financial institution and material change of the debt to equity ratio This thesis is written in order to show how liquidity risk of management process to apply at UUS Bank BNI by using daily data reports, monthly data reports, maturity profiles of UUS Bank BNI, analysis is carried out by processing the above data and compared it to relevant theories and using descriptive method. And by using Richard Rumelt�s evaluation strategy approach, that is, consistency aspect, consonance aspect, feasibility aspect, and advantage aspect, the resuts of the evaluation indicate that the identification process of liquidity risk, liquidity risk measurement, monitoring of liquidity risk, scope of management information system of liquidity risk, and also scope of reporting managements are not feasible, timely, comply with standard and operating procedure and, also meets with prudential banking principles. Thus, it is overall not arising from deviation of UUS Bank BNI�s business strategy. Some improvement are necessary to achieve effective and efficient on (1) financing business process, (2) human resources quality including their characters and behavior of at all level, (3) management information system through IT Networks in the holding office and also branches offices, (4) concentrated portofolio funding sources, (5) risk control through ALCO. [Yogyakarta] : Universitas Gadjah Mada 2012 Thesis NonPeerReviewed , Sri Rezeki and , DR. Sony Warsono, MAFIS (2012) EVALUASI PROSES MANAJEMEN RISIKO LIKUIDITASPADA UNIT USAHA SYARIAH (UUS)PT BANK BNI (PERSERO) TBK. UNSPECIFIED thesis, UNSPECIFIED. http://etd.ugm.ac.id/index.php?mod=penelitian_detail&sub=PenelitianDetail&act=view&typ=html&buku_id=53496 |
| spellingShingle | ETD , Sri Rezeki , DR. Sony Warsono, MAFIS EVALUASI PROSES MANAJEMEN RISIKO LIKUIDITASPADA UNIT USAHA SYARIAH (UUS)PT BANK BNI (PERSERO) TBK. |
| title | EVALUASI PROSES MANAJEMEN RISIKO LIKUIDITASPADA UNIT USAHA SYARIAH (UUS)PT BANK BNI (PERSERO) TBK. |
| title_full | EVALUASI PROSES MANAJEMEN RISIKO LIKUIDITASPADA UNIT USAHA SYARIAH (UUS)PT BANK BNI (PERSERO) TBK. |
| title_fullStr | EVALUASI PROSES MANAJEMEN RISIKO LIKUIDITASPADA UNIT USAHA SYARIAH (UUS)PT BANK BNI (PERSERO) TBK. |
| title_full_unstemmed | EVALUASI PROSES MANAJEMEN RISIKO LIKUIDITASPADA UNIT USAHA SYARIAH (UUS)PT BANK BNI (PERSERO) TBK. |
| title_short | EVALUASI PROSES MANAJEMEN RISIKO LIKUIDITASPADA UNIT USAHA SYARIAH (UUS)PT BANK BNI (PERSERO) TBK. |
| title_sort | evaluasi proses manajemen risiko likuiditaspada unit usaha syariah uus pt bank bni persero tbk |
| topic | ETD |
| work_keys_str_mv | AT srirezeki evaluasiprosesmanajemenrisikolikuiditaspadaunitusahasyariahuusptbankbniperserotbk AT drsonywarsonomafis evaluasiprosesmanajemenrisikolikuiditaspadaunitusahasyariahuusptbankbniperserotbk |