KONSEKUENSI INFORMASI ASIMETRIS DALAM PERKREDITAN DAN PENANGANANNYA PADA LEMBAGA PERBANKAN

  • Taswan Taswan

Abstract

creditor. As an agent needs to carry out the mandate the principal (lender) based on the credit
contract agreed between the creditor with the debtor. But when lenders face high information
asymmetry, then it can not design a fair credit contract. Consequently agency conflicts between
creditors with the debtor could occur, the price of credit to be expensive, a high credit risk.
Consequences needs to be managed for example through an effective monitoring system, loan
covenance, tightening regulation of Legal Lending Limit, Credit Rationing, guarantees and credit
insurance and debt restructuring.
Key word: asymmetric information, agency, covenance loan, credit rationing, debt restructuring.