Issue

Vol. 12 No. 2 (2025): December

Date Log

Submitted
3 October 2025
Accepted
8 May 2026
Published
8 May 2026

Copyright (c) 2026 Ni Luh Gita Pratesya, Anak Agung Ngurah Oka Suryadinatha Gorda (Author)

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This work is licensed under a Creative Commons Attribution 4.0 International License.

Asymmetric Information And Non-Performing Loans At Indonesian Bank

https://doi.org/10.24252/minds.v12i2.61783
Ni Luh Gita Pratesya
Universitas Pendidikan Nasional, Indonesia
Anak Agung Ngurah Oka Suryadinatha Gorda
Universitas Pendidikan Nasional, Indonesia

Corresponding Author(s) : Ni Luh Gita Pratesya

[email protected]

Jurnal Minds: Manajemen Ide dan Inspirasi, Vol. 12 No. 2 (2025): December

Abstract

This study aims to analyze asymmetric information and non-performing loans in the Micro Community Business Credit program at Indonesian Bank. This study contributes to the understanding of how information imbalance, moral hazard, side streaming, credit appraisal, field monitoring, and managerial leadership interact in microcredit risk management. A descriptive qualitative approach was employed through in-depth interviews, observation, and documentation. The informants were selected purposively. The study also examined internal credit development data from July to December 2024. The findings show that non-performing loans are caused by internal bank limitations, customer-related factors, and external economic pressures. The study implies that strengthening post-disbursement monitoring, customer financial education, relational supervision, and adaptive leadership is essential to reduce credit risk.

Keywords

HR development , performance employee Job Satifaction Learning Organization Transformational Leadership
Pratesya, N. L. G., & Gorda, A. A. N. O. S. (2026). Asymmetric Information And Non-Performing Loans At Indonesian Bank. Jurnal Minds: Manajemen Ide Dan Inspirasi, 12(2), 879–888. https://doi.org/10.24252/minds.v12i2.61783
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Author Biographies

Ni Luh Gita Pratesya, Universitas Pendidikan Nasional

Master of Management Department

Anak Agung Ngurah Oka Suryadinatha Gorda, Universitas Pendidikan Nasional

Master of Management Department

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