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Quality Based Credit Risk Mitigation For Bank Performance Enhancement: Empiric Study In An Indonesian Bank

Author

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  • Nini Avieni

    (Faculty of Economic and Business, Diponegoro University, Semarang, Indonesia)

Abstract

There is an ongoing controversy over whether risk mitigation inherently enhances business performance. The aim of this paper is to settle the controversy, and provide insights roles of risk mitigation on corporate strategy. Author examined implication of Lean Six Sigma at credit risk mitigation system at one of Indonesia banks. Based on responses from 112 credit analysts and database of business units performance indicators, this research showed a relationship between the implication of Lean Six Sigma at credit risk mitigation system and unit bank's performance. Quality Based Credit Risk Mitigation which is credit risk mitigation using Lean Six Sigma system will enhance business units’ performance through improvement in credit quality and credit process efficiency.

Suggested Citation

  • Nini Avieni, 2014. "Quality Based Credit Risk Mitigation For Bank Performance Enhancement: Empiric Study In An Indonesian Bank," European Journal of Business and Economics, Central Bohemia University, vol. 9(1), pages 4341:9-4341, May.
    • Handle: RePEc:aad:ejbejj:v:9:y:2014:i:1:p:434
    DOI: 10.12955/ejbe.v9i1.434
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    More about this item

    Keywords

    Lean Six SigmaRisk Mitigation; Bank Lending; Credit; Risk Assessment.;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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