Design of Risk Rating Applications for Village Credit Institutions

DOI

10.2991/assehr.k.220301.104How to use a DOI?

Keywords

LPD; economic crisis; risk factor; risk rating; system design

Abstract

The Covid-19 pandemic has had a profound impact on the economic capacity and purchasing power of the general public. This condition automatically affects the ability of the people to fulfill their obligations, especially paying off the credit they have already taken. Credit has the potential to become bad credit. On the other hand, some people have started withdrawing their savings and deposits. This situation is certainly very worrying for financial institutions, especially the Village Credit Institution (LPD), which is the backbone of the economy of traditional village communities in Bali. LPDs must be managed with care. In this prudence, the manager in addition to maintaining the level of health, is also required to monitor the level of risk of his LPD. This risk rating becomes important in conducting supervision, prudence and anticipation in the operational management of the LPD. This research was conducted in an effort to help LPD prepare an information system for assessing the level of risk for its institution. The research was conducted using the Waterfall system development stages, with an object-oriented approach. At the initial stage, this research focused on designing the required information system, through the stages of object-oriented analysis and design (OOA and OOD). The resulting design is a component of the system, which can later be used as a reference in the final stages of system development, namely the object-oriented programming (OOP) stage.

Copyright

© 2022 The Authors. Published by Atlantis Press SARL.

Open Access

This is an open access article under the CC BY-NC license.

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TY  - CONF
AU  - Jeni Susanti
AU  - I Gede Made Karma
AU  - Ni Wayan Kurnia Dewi
PY  - 2022
DA  - 2022/03/04
TI  - Design of Risk Rating Applications for Village Credit Institutions
BT  - Proceedings of the International Conference on Applied Science and Technology on Social Science 2021 (iCAST-SS 2021)
PB  - Atlantis Press
SP  - 633
EP  - 639
SN  - 2352-5398
UR  - https://doi.org/10.2991/assehr.k.220301.104
DO  - 10.2991/assehr.k.220301.104
ID  - Susanti2022
ER  -