{"id":9210,"date":"2025-11-14T08:59:23","date_gmt":"2025-11-14T01:59:23","guid":{"rendered":"https:\/\/skorlife.com\/blog\/?p=9210"},"modified":"2025-11-14T08:59:23","modified_gmt":"2025-11-14T01:59:23","slug":"pengertian-loan-at-risk","status":"publish","type":"post","link":"https:\/\/skorlife.com\/blog\/bi-checking-skor\/pengertian-loan-at-risk\/","title":{"rendered":"Apa Itu Loan at Risk dan Bedanya dengan Non-Performing Loan (NPL)"},"content":{"rendered":"<p><em><span style=\"font-weight: 400;\">Loan at Risk adalah indikator risiko kredit sebelum macet. Ketahui perbedaan Loan at Risk dan NPL, plus rumus LAR dan tips jaga kredit tetap sehat.<\/span><\/em><!--more--><\/p>\n<p><span style=\"font-weight: 400;\">Pernah dengar istilah loan at risk (LAR) waktu baca laporan keuangan bank atau berita ekonomi, tapi belum benar-benar paham artinya? Tenang, kamu nggak sendiri. Banyak orang mengira semua istilah kredit bermasalah itu sama saja, padahal ada perbedaan penting antara loan at risk dan non-performing loan (NPL).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Sederhananya, loan at risk adalah gambaran \u201czona kuning\u201d dalam dunia kredit, belum macet, tapi sudah menunjukkan sinyal bahaya. Sementara NPL itu \u201czona merah\u201d, yaitu kredit yang sudah benar-benar bermasalah atau macet. Yuk, kita bahas satu per satu biar makin jelas.<\/span><\/p>\n<p><strong>Baca juga: <a href=\"https:\/\/skorlife.com\/blog\/bi-checking-skor\/apa-itu-kolektabilitas-kredit-kol\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"internal\">Mengenal Lebih Dekat: Apa Itu Kolektabilitas Kredit (Kol)?<\/a><\/strong><\/p>\n<h2><span style=\"font-weight: 400;\">Apa Itu Loan at Risk (LAR)?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Secara definisi, loan at risk adalah rasio untuk mengukur seberapa besar porsi total kredit bank berpotensi bermasalah. Artinya, tidak hanya mencakup kredit sudah gagal bayar, tetapi juga kredit dengan tanda-tanda berisiko, misalnya:, misalnya:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kredit <\/span><b>dalam perhatian khusus (kolektibilitas 2)<\/b><span style=\"font-weight: 400;\"> karena pembayaran cicilan sering terlambat.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kredit <\/span><b>restrukturisasi<\/b><span style=\"font-weight: 400;\"> yang masih lancar tapi sudah pernah direstruktur.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kredit yang masuk kategori <\/span><b>non performing loan (kolektibilitas 3-5)<\/b><span style=\"font-weight: 400;\"> alias sudah bermasalah.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Jadi, loan at risk menggambarkan kondisi kredit \u201cdi ambang risiko\u201d. Kalau rasio LAR tinggi, artinya masih banyak pinjaman yang perlu diwaspadai karena bisa sewaktu-waktu berubah jadi macet.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Menurut data <\/span><a href=\"https:\/\/skorlife.com\/blog\/bi-checking-skor\/tugas-fungsi-ojk\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"internal\"><b>Otoritas Jasa Keuangan (OJK)<\/b><\/a><span style=\"font-weight: 400;\">, per Desember 2023, loan at risk perbankan Indonesia masih berada di kisaran <\/span><b>18-19%<\/b><span style=\"font-weight: 400;\"> dari total kredit, meskipun tren sudah menurun dibanding tahun sebelumnya. Ini menunjukkan bahwa meski NPL terlihat stabil di bawah 3%, potensi risiko masih cukup besar, terutama dari sektor UMKM sertakredit restrukturisasi pasca pandemi.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-9212\" src=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2025\/11\/Pengertian-loan-at-risk-adalah-1.jpg\" alt=\"Pengertian loan at risk adalah\" width=\"800\" height=\"400\" srcset=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2025\/11\/Pengertian-loan-at-risk-adalah-1.jpg 800w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2025\/11\/Pengertian-loan-at-risk-adalah-1-300x150.jpg 300w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2025\/11\/Pengertian-loan-at-risk-adalah-1-768x384.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<h2><span style=\"font-weight: 400;\">Mengapa Loan at Risk Penting?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Kalau dilihat sekilas, angka loan at risk ini mungkin terasa seperti urusan bank. Tapi sebenarnya, konsepnya relevan juga buat kita sebagai individu atau pelaku usaha.<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Mendeteksi masalah lebih cepat.<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">LAR membantu bank menangkap sinyal risiko sejak dini. Misalnya, debitur mulai sering menunda pembayaran, atau sudah pernah direstruktur meski belum menunggak.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Mengukur ketahanan keuangan.<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Bank dengan LAR rendah biasanya punya manajemen risiko lebih kuat serta portofolio kredit lebih sehat. Buat nasabah, ini berarti bank tersebut punya kemampuan lebih baik dalam menjaga kestabilan dan kepercayaan publik.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Menjadi barometer ekonomi.<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Rasio loan at risk juga bisa menunjukkan kondisi ekonomi secara umum. Kalau LAR naik di banyak bank, bisa jadi masyarakat atau pelaku usaha mulai kesulitan bayar pinjaman karena daya beli melemah atau pendapatan turun.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Jadi, loan at risk adalah semacam \u201cearly warning system\u201d yang membantu industri keuangan bersiap menghadapi badai sebelum benar-benar datang.<\/span><\/p>\n<p><strong>Baca juga: <a href=\"https:\/\/skorlife.com\/blog\/pinjol-kta\/pengertian-cara-kerja-p2p-lending\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"internal\">Apa itu P2P Lending? Pengertian, Manfaat dan Cara Kerjanya<\/a><\/strong><\/p>\n<h2><span style=\"font-weight: 400;\">Perbedaan Loan at Risk dan Non-Performing Loan<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Nah, sekarang bagian pentingnya, memahami perbedaan loan at risk dan non performing loan. Walaupun keduanya sama-sama bicara soal risiko kredit, ternyata lingkupnya cukup berbeda.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Aspek<\/b><\/td>\n<td><b>Loan At Risk (LAR)<\/b><\/td>\n<td><b>Non-Performing Loan (NPL)<\/b><\/td>\n<\/tr>\n<tr>\n<td><b>Definisi<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Kredit yang berpotensi bermasalah, termasuk kredit restrukturisasi dan dalam perhatian khusus<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Kredit yang sudah benar-benar bermasalah atau macet<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Status Pembayaran<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Masih berjalan tapi sering telat atau pernah direstruktur<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Tidak dibayar lebih dari 90 hari (sesuai aturan OJK &amp; BI)<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Kolektibilitas<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Kolektibilitas 2 (DPK), restrukturisasi lancar, dan kolektibilitas 3-5<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Kolektibilitas 3 (kurang lancar), 4 (diragukan), 5 (macet)<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Fungsi<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Indikator risiko potensial (early warning)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Indikator masalah aktual (sudah terjadi)<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Dampak Keuangan<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Mempengaruhi antisipasi cadangan kerugian<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Mempengaruhi realisasi kerugian kredit<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">Contohnya begini: Bank A punya total kredit Rp100 triliun, dengan NPL sebesar Rp2 triliun. Tapi, kalau dihitung dengan LAR, total kredit berisiko bisa mencapai Rp10 triliun. Artinya, meski macet hanya 2%, potensi risiko sebenarnya bisa sampai 10%, dan ini lebih mencerminkan real picture kesehatan kredit bank.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Inilah mengapa regulator seperti OJK dan Bank Indonesia kini lebih sering memantau loan at risk ratio, bukan cuma NPL. Karena indikator ini lebih forward-looking, bisa menunjukkan kondisi risiko sebelum jadi masalah besar.<\/span><\/p>\n<figure id=\"attachment_9188\" class=\"wp-caption aligncenter\" ><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-9188\" src=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2025\/11\/Cara-Menghitung-Bunga-Majemuk-Freepik.jpg\" alt=\"Cara Menghitung Bunga Majemuk\" width=\"800\" height=\"400\" srcset=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2025\/11\/Cara-Menghitung-Bunga-Majemuk-Freepik.jpg 800w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2025\/11\/Cara-Menghitung-Bunga-Majemuk-Freepik-300x150.jpg 300w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2025\/11\/Cara-Menghitung-Bunga-Majemuk-Freepik-768x384.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><figcaption class=\"wp-caption-text\">Sumber gambar: Freepik<\/figcaption><\/figure>\n<h2><span style=\"font-weight: 400;\">Rumus LAR (Loan At Risk)<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Berikut <\/span><b>rumus LAR (loan at risk)<\/b><span style=\"font-weight: 400;\"> yang umum digunakan:<\/span><\/p>\n<p><b>Rumus:<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Loan at Risk Ratio (LAR) = (Kredit Risiko Tinggi [DPK + Restrukturisasi + NPL] \/ Total Kredit) \u00d7 100%<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dalam bahasa sederhana: Loan at risk adalah persentase total pinjaman yang berisiko terhadap keseluruhan portofolio kredit.<\/span><\/p>\n<p><b>Contoh Perhitungan:<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Total kredit bank: Rp200 triliun<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Kredit DPK: Rp10 triliun<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Kredit restrukturisasi: Rp5 triliun<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">NPL: Rp3 triliun<\/span><\/p>\n<p><span style=\"font-weight: 400;\">LAR = (10 + 5 + 3) \/ 200 \u00d7 100%<\/span><\/p>\n<p><span style=\"font-weight: 400;\">LAR = 18 \/ 200 \u00d7 100%<\/span><\/p>\n<p><span style=\"font-weight: 400;\">LAR = 9%<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Artinya, 9% dari total kredit bank berada dalam posisi \u201cberisiko.\u201d Rasio ini biasanya dianalisis bersama rasio cadangan kerugian (CKPN) untuk melihat seberapa siap bank menghadapi potensi gagal bayar.<\/span><\/p>\n<p><strong>Baca juga: <a href=\"https:\/\/skorcard.app\/info-keuangan\/kartu-kredit-digital\/\" target=\"_blank\" rel=\"noopener external noreferrer\" data-wpel-link=\"external\">Apa Itu Kartu Kredit Digital dan Mengapa Semakin Populer?<\/a><\/strong><\/p>\n<h2><span style=\"font-weight: 400;\">Apa Dampaknya bagi Kita sebagai Nasabah?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Menariknya, konsep ini bisa kamu terapkan juga ke keuangan pribadi.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Coba bayangkan kamu punya tiga utang aktif:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cicilan motor (selalu lancar),<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kartu kredit (kadang telat 1-2 minggu),<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pinjaman online (pernah restrukturisasi waktu pandemi).<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Nah, kalau di dunia bank, kondisi kamu itu bisa dibilang \u201cloan at risk versi personal.\u201d Belum macet, tapi berisiko. Kalau dibiarkan, bisa berubah jadi \u201cNPL pribadi\u201d alias gagal bayar.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Makanya, penting banget buat pantau <\/span><a href=\"https:\/\/skorlife.com\/blog\/bi-checking-skor\/cara-cek-skor-kredit-dan-arti-nilai-skor\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"internal\"><span style=\"font-weight: 400;\">skor kredit<\/span><\/a><span style=\"font-weight: 400;\"> serta riwayat pembayaran secara rutin. Di sini, kamu bisa manfaatkan fitur Cek Riwayat Kredit di aplikasi <\/span><a href=\"https:\/\/skorlife.com\/id\/\" target=\"_blank\" rel=\"noopener external noreferrer\" data-wpel-link=\"external\"><b>Skorlife<\/b><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Lewat Skorlife, kamu bisa tahu apakah ada cicilan yang mulai menunggak, restrukturisasi, atau pembayaran terlambat, semua faktor yang mempengaruhi risiko kreditmu.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Selain itu, Skorlife juga bisa bantu kamu:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Melihat peluang pengajuan kredit disetujui.<\/b><span style=\"font-weight: 400;\"> Jadi kamu bisa lebih siap sebelum mengajukan KPR, KTA, atau kredit kendaraan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Mendapat rekomendasi manajemen keuangan.<\/b><span style=\"font-weight: 400;\"> Termasuk saran pembayaran tunggakan hingga budgeting agar risiko kredit pribadi tetap rendah.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Dengan begitu, kamu bisa menjaga loan performance tetap sehat, bukan cuma di mata bank, tapi juga di sistem kredit nasional.<\/span><\/p>\n<p><a href=\"https:\/\/skorlife.go.link\/8IqIg?utm_source=skorlife_blog&amp;utm_medium=banner&amp;utm_campaign=cta_skorlife\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-large wp-image-7559\" src=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-Cek-Riwayat-Peluang-Kredit-approved-1024x512.jpg\" alt=\"\" width=\"800\" height=\"400\" srcset=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-Cek-Riwayat-Peluang-Kredit-approved-1024x512.jpg 1024w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-Cek-Riwayat-Peluang-Kredit-approved-300x150.jpg 300w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-Cek-Riwayat-Peluang-Kredit-approved-768x384.jpg 768w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-Cek-Riwayat-Peluang-Kredit-approved-1536x768.jpg 1536w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-Cek-Riwayat-Peluang-Kredit-approved-2048x1024.jpg 2048w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/p>\n<h2><span style=\"font-weight: 400;\">Tips Menjaga \u201cLoan at Risk\u201d Pribadi Tetap Aman<\/span><\/h2>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Cek skor kredit secara berkala.<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Skor kredit turun bisa jadi tanda mulai masuk zona risiko.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Bayar tagihan sebelum jatuh tempo.<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Keterlambatan kecil bisa memicu penurunan kolektibilitas.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Hindari restrukturisasi berulang.<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Kalau sudah pernah direstruktur, pastikan pembayaran selanjutnya lancar.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Jaga rasio utang terhadap penghasilan.<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Idealnya, total cicilan &lt;30% dari penghasilan bulanan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Gunakan Skorlife untuk bantu pantau.<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Dengan insight dan rekomendasi personal, kamu bisa mengelola kredit lebih bijak.<\/span><\/li>\n<\/ol>\n<p><strong>Baca juga: <a href=\"https:\/\/skorcard.app\/tips-keuangan\/tips-keamanan-kartu-kredit-debit\/\" target=\"_blank\" rel=\"noopener external noreferrer\" data-wpel-link=\"external\">Tips Keamanan Kartu Kredit &amp; Debit untuk Proteksi Keuangan Sehari-hari<\/a><\/strong><\/p>\n<h2><span style=\"font-weight: 400;\">Kesimpulan<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Sekarang kamu tahu, loan at risk adalah indikator penting untuk mengukur potensi risiko kredit secara lebih luas dari sekadar NPL. Perbedaan loan at risk dan non performing loan terletak pada waktu serta tingkat risiko: LAR melihat potensi sebelum masalah muncul, sedangkan NPL menilai kredit yang sudah bermasalah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Buat kamu yang ingin menjaga kesehatan finansial pribadi, prinsipnya sama. Cek kondisi kredit secara berkala, perhatikan rasio cicilan, serta jangan ragu manfaatkan <\/span><b>Skorlife<\/b><span style=\"font-weight: 400;\"> untuk bantu memantau serta meningkatkan peluang pengajuan kredit.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Karena mengelola risiko sejak dini jauh lebih mudah daripada memperbaiki masalah setelah terjadi.<\/span><\/p>\n<hr \/>\n<h2><span style=\"font-weight: 400;\">FAQ Seputar Loan at Risk (LAR)<\/span><\/h2>\n<ol>\n<li><b> Apa itu loan at risk?<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Loan at risk adalah rasio yang menggambarkan seberapa besar bagian dari total kredit berpotensi bermasalah. Termasuk di dalamnya kredit dalam perhatian khusus (DPK), restrukturisasi, hingga kredit macet (NPL). Rasio ini membantu bank mendeteksi risiko kredit sejak dini sebelum benar-benar terjadi gagal bayar.<\/span><\/p>\n<ol start=\"2\">\n<li><b> Loan at risk kolektibilitas berapa?<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Umumnya, loan at risk mencakup kolektibilitas 2 hingga 5. Artinya, mulai dari kredit dalam perhatian khusus sampai kredit macet. Bahkan kredit restrukturisasi yang masih lancar juga bisa masuk kategori ini karena tetap memiliki risiko gagal bayar.<\/span><\/p>\n<ol start=\"3\">\n<li><b> Apa perbedaan LAR dan NPL?<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Perbedaan loan at risk dan non-performing loan (NPL) terletak pada tingkat risikonya. LAR mencakup kredit yang berpotensi bermasalah (belum macet), sedangkan NPL hanya menghitung kredit yang sudah gagal bayar. Jadi, LAR bersifat lebih antisipatif, sementara NPL bersifat reaktif.<\/span><\/p>\n<ol start=\"4\">\n<li><b> Apa yang dimaksud dengan value at risk (VaR)?<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Value at risk (VaR) adalah ukuran statistik untuk menghitung potensi kerugian maksimum dari suatu portofolio investasi dalam jangka waktu tertentu. Berbeda dengan loan at risk yang fokus pada risiko gagal bayar pinjaman, value at risk digunakan di dunia investasi untuk mengukur volatilitas dan potensi kerugian pasar.<\/span><\/p>\n<ol start=\"5\">\n<li><b> Bagaimana cara menurunkan rasio loan at risk?<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Rasio loan at risk bisa diturunkan dengan memperketat analisis kredit, memantau pembayaran nasabah, dan melakukan restrukturisasi secara tepat. Untuk individu, penting menjaga riwayat pembayaran tetap lancar serta rutin cek skor kredit di Skorlife agar bisa memantau risiko pribadi sebelum masalah muncul.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Loan at Risk adalah indikator risiko kredit sebelum macet. Ketahui perbedaan Loan at Risk dan NPL, plus rumus LAR dan<\/p>\n","protected":false},"author":22,"featured_media":9211,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[3],"tags":[],"class_list":["post-9210","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bi-checking-skor"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Loan at Risk: Pengertian &amp; Bedanya dengan NPL - Skorlife<\/title>\n<meta name=\"description\" content=\"Loan at Risk adalah indikator risiko kredit sebelum macet. 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