Strategi pengelolaan risiko kredit dalam menjaga stabilitas perbankan di tengah volatilitas pasar

  • kamelia nurul arifah Universitas islam negeri maulana malik ibrahim malang

Abstract

Credit risk is one of the main challenges in the banking industry, especially when markets experience high volatility. Market volatility caused by fluctuations in interest rates, exchange rates, and global economic conditions can increase the risk of default by debtors, which ultimately affects the financial stability of banks. This article aims to identify and analyze credit risk management strategies that can be implemented by banks to maintain stability amid market uncertainty.Some of the strategies discussed include credit portfolio diversification, stricter creditworthiness assessment, increased loan loss reserves, use of hedging instruments, and non-performing loan (NPL) management. In addition, the importance of collaboration with regulators and the implementation of macroprudential policies are also emphasized as part of a holistic approach to reducing risk.The results of the analysis show that banks that implement effective credit risk management strategies tend to be better able to weather market volatility and maintain their operational stability. Thus, adaptive credit risk management not only protects banks from potential losses, but also contributes to the overall stability of the financial system.

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References

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Published
2025-09-12
How to Cite
arifah, kamelia. (2025). Strategi pengelolaan risiko kredit dalam menjaga stabilitas perbankan di tengah volatilitas pasar. Maliki Interdisciplinary Journal, 3(8), 79-86. Retrieved from https://urj.uin-malang.ac.id/index.php/mij/article/view/11268
Issue
Vol 3 No 8 (2025): AUGUST
Section
Articles

Copyright (c) 2025 kamelia nurul arifah

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