Analysis of the Implementation of Credit Risk Management at PT. Pega-daian (Persero) Lhokseumawe Branch

Abstract

This study aims to determine the effectiveness of implementing credit risk management at PT. Pawnshop (Persero) Lhokseumawe Branch. The type of research used is descriptive research with a qualitative approach by explaining the application of credit risk management at PT. Pegadaian (Persero) Lhokseumawe Branch has been effective. The analysis technique used in this research is the description stage. The data analysis method used in this research is qualitative data analysis where after the collected data is processed, it is then analyzed by providing an interpretation in the form of a description. The results showed that the application of credit risk management at PT. Pegadaian (Persero) Lhokseumawe Branch was ineffective due to fluctuations in bad loans from 2016 to 2018.