Sunarjo, Sunarjo and Yuniarti, Sari (2013) Sistem Pengendalian Risiko Operasional Pada Bank Perkreditan Rakyat Dengan Pendekatan Indikator Dasar. Jurnal Keuangan dan Perbankan, 17 (3). pp. 96-104. ISSN 1410-8089 (Print) ; 2443-2687 (Online)

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Abstract

BPR as the micro financial medium institution was seen as one of translation media and risk transformation. The ability of BPR in managing risk became an attention along with the increase
of volume and the business operational complexity, including bank operational risk like fraud caused by people, system, or external condition. If there was no controlling, it would create loss potency for BPR itself. This research aimed to measure the loss effect because of operational risk and to identify the system of operational risk control using basic indicator approach. The population of this research was all BPR in Malang, namely 39 banks. The samples used were 20 banks. Data collection method used was observation and documentation. The research result showed that operational risk events were divided into 4 quadrants, namely Low Frequency/High Impact, High Frequency/High Impact, Low Frequency/Low Impact, and High Frequency/Low Impact. The quadrants division resulted information related to how the operational risk would be managed. Total capital charge of all BPR in Malang was IDR.4.085.114.000,00. It indicated that the total capital charge used was to anticipate the operational risk.

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