{"id":22888,"date":"2016-04-26T09:55:13","date_gmt":"2016-04-26T09:55:13","guid":{"rendered":"https:\/\/www.its.ac.id\/news\/2016\/04\/26\/pentingnya-manajemen-risiko-dalam-dunia-perbankan\/"},"modified":"2016-04-26T09:55:13","modified_gmt":"2016-04-26T09:55:13","slug":"pentingnya-manajemen-risiko-dalam-dunia-perbankan","status":"publish","type":"post","link":"https:\/\/www.its.ac.id\/news\/pentingnya-manajemen-risiko-dalam-dunia-perbankan\/","title":{"rendered":"Pentingnya Manajemen Risiko dalam Dunia Perbankan"},"content":{"rendered":"<p>Dr Agus Sudjianto PhD dalam seminar&nbsp;<em>Global Economis News<\/em>, Senin (26\/4), mengatakan, simulasi&nbsp;<em>stress testing<\/em>&nbsp;pasti didukung oleh skenario yang aktual. Bahkan juga didukung model-model yang komprehensif dan sistem perhitungan yang terotomasi. Model <em>stress testing<\/em> adalah mencakup jenis-jenis risiko utama yaitu risiko kredit, risiko pasar dan risiko operasional.<\/p>\n<p>Risiko kredit adalah potensi kerugian akibat kegagalan peminjam untuk memenuhi kewajiban kontrak untuk membayar utang sesuai dengan ketentuan yang telah disepakati. Risiko pasar adalah potensi kerugian karena perubahan harga pasar atau nilainya. Sementara risiko operasional, yaitu potensi kerugian akibat kegagalan dalam proses, sistem, atau sumber daya manusianya. <\/p>\n<p>&quot;Seluruh disiplin risiko di atas menerapkan model matematika,&quot; ungkap Executive Vice President, Managing Director, dan Head of Corporate Model Risk Wells Fargo tersebut.<\/p>\n<p>&quot;Untuk ritel dan komersial bank seperti Wells Fargo, risiko kredit umumnya risiko yang paling kritis,&quot; tambahnya.<\/p>\n<p>Di Amerika, stress testing dilakukan dua kali setiap tahunnya. Melalui tes ini, akan diketahui berapa banyak bank ini akan kehilangan uang dan <em>revenue<\/em>. Bahkan, tes ini juga dilakukan untuk mengetahui bertahan tidaknya dana yang dimiliki bank.&nbsp;Jika tidak lolos, maka atasan dari bank tersebut bisa dipecat. <\/p>\n<p>&quot;Makanya tiap tahun para Chief Executive Officer (CEO) bank di Amerika itu dengkulnya <em>nderedek<\/em> semua,&quot; gurau alumnus Jurusan Fisika Institut Teknologi Sepuluh Nopember (ITS) tersebut.<\/p>\n<p>Karakteristik model risiko yang diinginkan dalam praktik antara lain harus sederhana, dapat diprediksi, intuitif, transparan, stabil, serta mudah dikerjakan secara komputasi. &quot;Model harus melihat ke depan, bukan hanya perwakilan dari masa lalu. Juga harus dapat menangani data yang sangat besar dengan waktu komputasi yang wajar,&quot; tandasnya. (mbi\/pus)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Manajemen risiko dalam perbankan merupakan hal sangat vital. Adanya Stress Testing dalam perbankan tak lain bertujuan untuk mengevaluasi ketahanan Bank dalam menghadapi situasi ekstrim. Simulasi ini bertujuan agar setiap bank mampu mengurangi risiko yang berbeda-beda.<\/p>\n","protected":false},"author":1,"featured_media":22889,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14],"tags":[],"class_list":["post-22888","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-berita-utama"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Pentingnya Manajemen Risiko dalam Dunia Perbankan - ITS News<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.its.ac.id\/news\/pentingnya-manajemen-risiko-dalam-dunia-perbankan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pentingnya Manajemen Risiko dalam Dunia Perbankan - ITS News\" \/>\n<meta property=\"og:description\" content=\"Manajemen risiko dalam perbankan merupakan hal sangat vital. 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