KONSEKUENSI INFORMASI ASIMETRIS DALAM PERKREDITAN DAN PENANGANANNYA PADA LEMBAGA PERBANKAN

Taswan, Taswan KONSEKUENSI INFORMASI ASIMETRIS DALAM PERKREDITAN DAN PENANGANANNYA PADA LEMBAGA PERBANKAN. Publikasi Ilmiah.

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Abstract

Asymmetric information is potentially occur in the credit business. Debtor is the agent of the creditor. As an agent needs to carry out the mandate the principal (lender) based on the credit contract agreed between the creditor with the debtor. But when lenders face high information asymmetry, then it can not design a fair credit contract. Consequently agency conflicts between creditors with the debtor could occur, the price of credit to be expensive, a high credit risk. Consequences needs to be managed for example through an effective monitoring system, loan covenance, tightening regulation of Legal Lending Limit, Credit Rationing, guarantees and credit insurance and debt restructuring. Key word: asymmetric information, agency, covenance loan, credit rationing, debt restructuring.

Item Type:	Article
Subjects:	H Social Sciences > H Social Sciences (General)
Faculty / Institution:	Fakultas Ekonomika dan Bisnis
Depositing User:	Fakultas Ekonomi
Date Deposited:	22 Aug 2022 03:13
Last Modified:	22 Aug 2022 03:13
URI:	https://eprints.unisbank.ac.id/id/eprint/8578

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