The Credit Union Risk Assessment document is a crucial tool for financial cooperatives operating in Indonesia's regulated financial services sector. It is designed to meet the requirements set forth by the Financial Services Authority (OJK) and Bank Indonesia, while adhering to Law No. 25/1992 on Cooperatives and related financial services regulations. This assessment should be conducted annually or when significant operational changes occur, covering all aspects of credit union operations from financial stability to operational resilience. The document serves multiple purposes: ensuring regulatory compliance, identifying potential risks, establishing mitigation strategies, and providing a framework for ongoing risk monitoring. It is particularly important in the Indonesian context where credit unions play a vital role in providing financial services to communities and must maintain strict risk management standards to protect member interests.
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1. 1. Executive Summary: Overview of key findings, risk ratings, and critical recommendations
2. 2. Assessment Scope and Methodology: Details of assessment approach, timeframe, and evaluation criteria used
3. 3. Institutional Overview: Basic information about the credit union, including size, membership, products, and services
4. 4. Credit Risk Assessment: Evaluation of lending practices, loan portfolio quality, and credit management processes
5. 5. Operational Risk Assessment: Analysis of operational processes, internal controls, and system risks
6. 6. Financial Risk Assessment: Assessment of liquidity, interest rate risk, and capital adequacy
7. 7. Compliance Risk Assessment: Evaluation of regulatory compliance and adherence to internal policies
8. 8. Management and Governance Assessment: Review of leadership, board oversight, and organizational structure
9. 9. Risk Mitigation Strategies: Recommended actions and controls to address identified risks
10. 10. Implementation Timeline: Proposed schedule for implementing recommended risk mitigation measures
1. Market Risk Assessment: Required for credit unions with investment portfolios or foreign currency exposure
2. Technology Risk Assessment: Needed for credit unions with significant digital operations or online services
3. Strategic Risk Assessment: Important for credit unions undergoing significant changes or expansion
4. Environmental Risk Assessment: Required for credit unions with exposure to environmental regulations or sustainability commitments
5. Business Continuity Assessment: Recommended for larger credit unions or those in disaster-prone areas
1. Schedule A: Risk Rating Matrix: Detailed criteria and scoring system used for risk assessment
2. Schedule B: Financial Analysis: Detailed financial ratios and trends analysis
3. Schedule C: Regulatory Compliance Checklist: Comprehensive list of regulatory requirements and compliance status
4. Schedule D: Control Testing Results: Results of internal control testing and effectiveness evaluation
5. Appendix 1: Data Collection Templates: Standard forms and templates used in the assessment process
6. Appendix 2: Interview Findings: Summary of key interviews with management and staff
7. Appendix 3: System Assessment Reports: Technical evaluation of IT systems and infrastructure
8. Appendix 4: Historical Risk Incidents: Documentation of past risk events and their resolution
Authors
Relevant legal definitions
Clauses
Relevant Industries
Financial Services
Banking
Microfinance
Cooperative Sector
Insurance
Financial Technology
Regulatory Compliance
Risk Management
Agricultural Finance
Community Banking
Relevant Teams
Risk Management
Internal Audit
Compliance
Operations
Finance
Legal
Credit Administration
Treasury
Strategic Planning
Governance
Member Services
Information Technology
Relevant Roles
Risk Manager
Compliance Officer
Credit Union CEO
Internal Auditor
Financial Controller
Operations Director
Board Member
Risk Assessment Specialist
Chief Financial Officer
Regulatory Affairs Manager
Credit Manager
Treasury Manager
Operations Risk Officer
Governance Officer
Strategic Planning Director
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