Analysis of Lending to Prospective Debtors with a Risk-Based Approach

Abstrak

This article discusses the analysis of lending to prospective borrowers using a risk-based
approach. The main objective of this study is to identify the factors that influence lending
decisions and develop strategies that are more effective in evaluating credit risk.
This study uses a literature study approach with a qualitative approach. Data collection by
interviews with lender institutions.
The results of the study show that there are several factors that have a significant influence on
the decision to grant a loan. These factors include the prospective debtor's credit profile,
payment history, debt-to-income ratio, and work background. In addition, there are also
macroeconomic factors that need to be considered, such as market conditions and interest rates.
The need for a strict policy in lending requires clear guidelines in determining the terms of
lending, including the maximum loan limit and payment terms. Clear policies help reduce the
risk of default and ensure fairness in the lending process. In the era of increasingly advanced
information technology, the use of sophisticated data and risk analysis methods is the key to
making the right decisions and reducing credit effectively.
In conclusion, based analysis of lending to prospective debtors plays an important role in
maintaining the financial stability of financial institutions and preventing unwanted credit risks.