Suryadi, E. (2021) EVALUASI PENERAPAN RISK AND CONTROL SELF- ASSESSMENT DALAM MANAJEMEN RISIKO OPERASIONAL (STUDI KASUS PADA DIVISI PINJAMAN KONSUMER BANK X). S1 thesis, STIE Indonesia Banking School.
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Abstract
Risk Control Self-Assessment - RCSA is one of the Operational Risk Management tools in addition to Key Risk Indicator - KRI and Loss Event Database - LED (Indonesian Bankers Association, Risk Management 2, 2015). Currently, the implementation of RCSA has been carried out in many Indonesian banking institutions and even in other non-bank financial institutions. This research is based on the observation that there are still operational losses in the Consumer Loans Division of Bank X even though RCSA has been carried out. The purpose of the study was to determine the causes of operational losses in the Consumer Loans Division of Bank X and to find out how effective the implementation of RCSA in the Consumer Loans Division of Bank X was by seeing how many risk incidents and operational losses could be identified from the implementation of the RCSA. A thorough analysis of the RCSA implementation which was carried out during the 2015-2020 period at the Consumer Loans Division of Bank X has provided answers to the objectives of this research. In general, it can be concluded that the implementation of RCSA has been carried out effectively and adequately but with notes. This can be proven by the detection of process failures that have potential operational losses and are reported as risk events and the absence of operational losses that occur due to process failures in the Consumer Loans Division of Bank X. However, there are still some things that need to be improved. The results of data analysis show that there is still a lack of understanding of examiners and approvers on certain points in the preparation and reviewing of the RCSA reports and risk event reports, namely RCSA reports that do not mention the size of the population, determining the root cause is not in accordance with the risk incident, inappropriate risk impact assessment on the bank, determination of risk events likelihood being carried out inappropriately and not in accordance with the existing Grading Matrix, non-specific and inappropriate action plans determination for risk events, inappropriate risk mitigation determination for risk events and the title writing of risk event reporting that does not accurately describe what, where and when the risk event occurred. However, the settlement actions that have been carried out by the inspected unit have been able to overcome the risk events found. The record of operational losses in the Operational Risk Management Information System which is charged to the Consumer Loans Division of Bank X is the second question in this study. The results of data analysis provide an explanation that the process that causes operational losses is not in the realm of the Consumer Loans Division of Bank X. There is a policy that operational losses are charged to the business unit.
| Item Type: | Thesis (S1) |
|---|---|
| Uncontrolled Keywords: | EVALUASI PENERAPAN RISK, CONTROL SELF- ASSESSMENT, MANAJEMEN RISIKO OPERASIONAL, PINJAMAN KONSUMER |
| Subjects: | H Social Sciences > HG Finance |
| Depositing User: | Sparta Sparta |
| Date Deposited: | 19 Oct 2022 06:32 |
| Last Modified: | 19 Oct 2022 06:32 |
| URI: | http://repository.ibs.ac.id/id/eprint/5382 |
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