Measuring and Controlling Credit Risk in The Trading Industry: Quantitative Risk Analysis Approach at Distribution Sector in PT Hervitama Indonesia
Pengukuran dan Pengendalian Risiko Kredit Dalam Industri Perdagangan: Pendekatan Quantitative Risk Analysis pada Sektor Distribusi PT Hervitama Indonesia
DOI:
https://doi.org/10.21070/ups.10014Keywords:
Credit Risk, Quantitative Risk Analysis, Risk Management, Trading, PT Hervitama IndonesiaAbstract
This study analyzes credit risk in the distribution sector of PT Hervitama Indonesia using the Quantitative Risk Analysis (QRA) approach. It identifies credit risk types, evaluates their probability and impact, and proposes mitigation strategies based on numerical data. The methodology includes interviews, secondary financial data analysis, descriptive analysis, and risk mapping. The results show that late payment risk is the highest, followed by market risk, while liquidity and operational risks are lower. Risk evaluation is based on the probability–impact matrix referring to SNI ISO 31000. Recommended controls include routine collection, incentives, market diversification, cash flow monitoring, system improvements, and employee training to enhance financial stability and operational efficiency.
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