Audit Internal Berbasis Risiko Bidang Perkreditan di Bank X

Abstract

This study aims to determine the application of RBIA to credit financing at Bank X and to determine the impact caused by the application of RBIA to credit financing at Bank X. This study uses a qualitative approach supported by qualitative and quantitative data. The results show that the implementation of RBIA has been carried out on every credit financing risk at Bank X. Judging from the data on the quality of financing at Bank X, to improve the quality level of financing, it is necessary to implement audits, especially the implementation of RBIA. If the application of RBIA on financing is not implemented as much as possible, it will affect the collectibility level of credit financing. This will trigger financing risk in the future. The impact that occurs from the existence of RBIA is that it is able to improve the quality of financing at Bank X. RBIA is able to increase the collectibility of credit financing and is able to reduce risks due to the failure of the business or due to incomplete customer data.