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Credit risk on PT Telkom Indonesia occurred when the company is doing a contract with the
lender for a specific project or asset acquisition. Risks that will arise on the part of creditors of
course the risk of default of PT Telkom, but whether the risk of credit received by PT
Telkom ?? That's what you need to find the answer .. :) whereas in this article will discuss about
the
credit
risk
is
accepted
by
the
creditor
Party.
For additional information, creditors PT Telkom reached 222 in number. 179 Creditors entitled to
money bills of PT Telkom amounting to a total of 14 trillion, while 46 Creditors are entitled to
money
bills
of
PT
Telkom
amounting
to
total
of
315
trillion.
Among the creditors are PT Bank Mandiri, PT BCA, AB Svensk Export Credit, etc.
The scope of credit risk can not be separated clearly and forcefully with other types of risks
(operational risk, market risk and liquidity risk) and four types of these risks are interrelated. The
credit risk can arise due to the occurrence of market risk in advance.For example, customer
credit score becomes very large, due to the dominance of credit granted in foreign currency and
the rupiah weakened. The credit risk can arise due to the occurrence of operational risk in
advance., Bank officials have been negligent in carrying out tranksasi guarantees and binding.
To be more precise in providing credit, the creditor must inspect / assess the feasibility of PT
Telkom in receiving the credit contract. In the measurement of credit risk, we divided
into qualitative assessment of credit risk, and quantitative credit riskassessment.
Credit Risk Assessment in Qualitative
The use of a qualitative assessment of credit risk based on the 3Rs and 5C is an attempt to get the
approach to credit risk measurement values experienced by the company.
In simple terms we can conclude that this qualitative assessment based on the image of the
company in this case PT. Telkom in perspective 3R or 5C.
3R guidelines
Return (earnings) ie assess whether PT.Telkom have sufficient income to meet or pay off
debt and interest.
Repayment Capacity (ability to repay the loan), which assesses whether the PT. Telkom
has the capacity / ability to repay the loan and interest at maturity.
RAROC,
Yield Income,
Mortality Rate,
Credit Metrics