2 research outputs found
ANALISIS PENGELOLAAN DANA PENSIUN DAN PENDISTRIBUSIAN HAK WARIS HNWI Studi Kasus pada Klien X
No full textIndonesia has good prospects for the financial services sector businesses
such as wealth management which began to emerge at the beginning of the 2000s.
Wealth Management is derived from science of finance, it offers very interesting
financial management service to answer the needs of the users and one of them is
HNWIs (High Net worth Individuals) with minimum net worth US30 millions. The third pillar Wealth Management learns
how to deal with transitions or retirements with an allocation of assets which held
by HNWIs and distribute assets to heirs. The purpose of this study was to
determine the client's risk profile based on risk tolerance in order to find the right
investment instruments to client, to analyze client�s portfolio and to provide
alternative solutions to client problems in which related to the preparation of
pension funds. This study also to analyze client�s assets that can be allocated for
distribution to heirs.
This research used single case study that require a client as object of
research. The case study taken from a family included in the category of high net
worth individuals. The author intends to anylize financial and risk profile of the
client, so that author can provide the best recommendation for their retirement
plan. The author used these steps for analyse techniques: client profiling, financial
statement analysis, create a pension plan by calculate pension funds using
expenses method and sensitivity analysis with two scenarios.
The results of this research indicate that changes in client�s investment
portfolio, which described in scenario II, would be the right choice for retirement
planning and distribution of client assets
ANALISIS PENYELESAIAN KREDIT BERMASALAH PT XYZ DI BANK "A"
No full textThe economy and monetary crisis in Indonesia during the period of 1997-
1998 and the US crisis in 2008 which spreads to Europe until present day has
encouraged Bank Indonesia to tighten the requirements that need to be met by
banks, and to advise each bank in providing exclusive attention to credit problems
in order to eliminate any possible obstacles in its operation. Bank �A�, being as
one of Joint Venture banks in Indonesia, is trying to minimize its credit problems
percentage. One of the debtors in Bank �A� that experiences credit problem is PT
XYZ, a company engaged in the lubricants industry. PT XYZ had previously been
restructured, but then again is unable to fulfill its obligations to Bank �A.�
The purpose of this research is to identify any factors that led to the failure
of PT XYZ credit restructuring scheme and any critical factors that caused PT
XYZ business being stagnant in terms of progress. The author also analyzes and
recommends solutions for Bank �A� to minimize the risk.
In order to identify the factors stated above, the author uses field research
method by performing observation and interview, and also literature research
method. Meanwhile, in order to analyze the company�s financial condition, the
author applies financial ratio analysis i.e. liquidity ratio analysis, solvability ratio
analysis, activity ratio analysis, profitability ratio analysis, and Altman Z-score
analysis. Furthermore, the author also calculate the present value (PV) of some
possible alternatives which can be utilized by Bank �A� to find out the best
alternative solution for the credit problems
