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FOUR EYES PRINCIPLES (FEP) manajemen risiko
FOUR EYES PRINCIPLES (FEP)
FEP ??
Cara/metode pengelolaan risiko yang
dihadapi perusahaan: risiko strategik,
operasional, bisnis, keuangan, eksternal
Implementasi FEP dlm pengelolaan risiko
transaksional: Unit MR ikut andil dlm
proses pengambilan keputusan dlm
Komite-komite (akseptasi/klaim,
investasi, pengadaan barang & jasa),
dilakukan minimal 2 orang kewenangan
pemutus: 1 dari unit operasional/non
operasional & 1 dari unit MR/Risk
Controller
Peran Unit MR bersifat tidak mengikat:
hanya memberikan rekomendasi dan opini
risiko
MANFAAT RISK CONTROLLER DI KANTOR CABANG
MENURUNKAN RISIKO YANG MELEKAT DI SUATU TRANSAKSI:
- Menurunkan Risiko Operasional
Khususnya aspek kepatuhan & hukum
- Menurunkan risiko bisnis/risiko kredit
(risiko klaim minimum dan penggantian / recovery optimal)
UNTUK MENGUATKAN DAN MEMBERIKAN
KENYAMANAN PENGAMBILAN KEPUTUSAN
PROSES REVIEW DENGAN FEP
 Profesionalisme & karakter pengurus
 Kualitas
 Pola pemasaran
 Lokasi usaha, jumlah, kompetensi & kualifikasi SDM,
pengalaman usaha
 Kapasitas, proses produksi, fasilitas pemeliharaan, lay
out, sarana & prasarana
ASPEK
MANAJEMEN
ASPEK
TEHNIK & USAHA
 R/L, neraca, perubahan modal, cash flow
 Analisa rasio
 Analisa sumber, penggunaan dana vs pengembalian
 Legalitas & likuiditas jaminan sesuai hasil survey
 Utama: obyek yg dijamina (mutlak)
 Tambahan: umumnya aktiva tetap maupun cash
collateral
 Pengaruh sosial perusahaan thd lingkungan, penyerapan tenaga
kerja, daya dukung ekonomi sektoral, faktor adat istiadat &
keagamaan, AMDAL
 Risiko makro lainnya: geografis, politik, faktor ketidakpastian,
inflasi
ASPEK
KEUANGAN
ASPEK
JAMINAN
ASPEK
KONDISI
FOUR EYES PRINCIPLES (FEP) manajemen risiko
FOUR EYES PRINCIPLES (FEP) manajemen risiko
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FOUR EYES PRINCIPLES (FEP) manajemen risiko

  • 2. FOUR EYES PRINCIPLES (FEP) FEP ?? Cara/metode pengelolaan risiko yang dihadapi perusahaan: risiko strategik, operasional, bisnis, keuangan, eksternal Implementasi FEP dlm pengelolaan risiko transaksional: Unit MR ikut andil dlm proses pengambilan keputusan dlm Komite-komite (akseptasi/klaim, investasi, pengadaan barang & jasa), dilakukan minimal 2 orang kewenangan pemutus: 1 dari unit operasional/non operasional & 1 dari unit MR/Risk Controller Peran Unit MR bersifat tidak mengikat: hanya memberikan rekomendasi dan opini risiko
  • 3. MANFAAT RISK CONTROLLER DI KANTOR CABANG MENURUNKAN RISIKO YANG MELEKAT DI SUATU TRANSAKSI: - Menurunkan Risiko Operasional Khususnya aspek kepatuhan & hukum - Menurunkan risiko bisnis/risiko kredit (risiko klaim minimum dan penggantian / recovery optimal) UNTUK MENGUATKAN DAN MEMBERIKAN KENYAMANAN PENGAMBILAN KEPUTUSAN
  • 4. PROSES REVIEW DENGAN FEP Profesionalisme & karakter pengurus Kualitas Pola pemasaran Lokasi usaha, jumlah, kompetensi & kualifikasi SDM, pengalaman usaha Kapasitas, proses produksi, fasilitas pemeliharaan, lay out, sarana & prasarana ASPEK MANAJEMEN ASPEK TEHNIK & USAHA R/L, neraca, perubahan modal, cash flow Analisa rasio Analisa sumber, penggunaan dana vs pengembalian Legalitas & likuiditas jaminan sesuai hasil survey Utama: obyek yg dijamina (mutlak) Tambahan: umumnya aktiva tetap maupun cash collateral Pengaruh sosial perusahaan thd lingkungan, penyerapan tenaga kerja, daya dukung ekonomi sektoral, faktor adat istiadat & keagamaan, AMDAL Risiko makro lainnya: geografis, politik, faktor ketidakpastian, inflasi ASPEK KEUANGAN ASPEK JAMINAN ASPEK KONDISI