Perpustakaan Digital ITB
2010 TA PP KARINA FEBRY ISTIFARIN 1-COVER.pdf
2010 TA PP KARINA FEBRY ISTIFARIN 1-BAB 1.pdf
2010 TA PP KARINA FEBRY ISTIFARIN 1-BAB 2.pdf
2010 TA PP KARINA FEBRY ISTIFARIN 1-BAB 3.pdf
2010 TA PP KARINA FEBRY ISTIFARIN 1-BAB 4.pdf
2010 TA PP KARINA FEBRY ISTIFARIN 1-BAB 5.pdf
2010 TA PP KARINA FEBRY ISTIFARIN 1-PUSTAKA.pdf
Banking industries take that advantage by giving housing loan with many interesting offerings. In taking the advantage, there lies credit risk that may pull the institution down to bankruptcy. Every borrower or creditor may come up with a default which is a failure to pay the loan. This risk can be minimized by having a qualitative risk management by implementing properly the 5Cs principal which are; character, capital, capacity, collateral, and condition of economy. Bank X, is a well known state owned bank in Indonesia. It has a strong name in Indonesia's banking sector as the bank who gives housing credits. To be aligned with its vision, Bank X focused on giving housing credits in both personal and corporate level. This research provides useful tools for Bank X in order to minimize retail customer or personal credit risk so that Bank X could perform a better way in giving the credit to its customers.