Survei Customer Satisfaction Experience segmen Wholesale Bank Mandiri

karya mandiri berkelanjutan 116 PENYALURAN PINJAMAN DI SEKTOR UMKM USAHA MIKRO KECIL DAN MENENGAH Dalam rangka mendukung pembangunan ekonomi nasional, Bank Indonesia mengeluarkan Peraturan No.1515PBI2012 tentang pembangunan ekonomi berkelanjutan, yang mengatur agar dunia perbankan harus mempertimbangkan perlindungan lingkungan dalam menilai kualitas aset. Selain itu berdasarkan Peraturan Bank Indonesia PBI No.1426PBI2012 dan PBI No.1422PBI2012, perbankan harus meningkatkan akses dan porsi pinjaman produktif bagi Usaha Mikro Kecil dan Menengah UMKM. UMKM dinilai sebagai sektor penting dan memberikan kontribusi signifikan terhadap pembangunan ekonomi nasional. Terkait hal ini, Otoritas Jasa Keuangan OJK turut mengeluarkan Roadmap Keuangan Berkelanjutan Indonesia 2015-2019 sebagai acuan pelaksanaan keuangan yang lebih baik. Mengacu kepada peraturan tersebut, Bank Mandiri aktif berpartisipasi dalam pengembangan sektor UMKM guna meningkatkan taraf kehidupan masyarakat melalui penyediaan kredit untuk berbagai segmen. Adapun penyaluran pinjaman program kelompok UMKM dikelompokan atas dasar tiga kondisi kemampuan usaha, yaitu: [G4-FS7] 1. UMKM yang potensial feasible namun belum bankable, pola pembiayaan diberikan melalui Program Kemitraan. SMMES SMALL, MEDIUM AND MICRO ENTERPRISES LOAN DISTRIBUTION In order to support the national economy development, Bank Indonesia issued Regulation No.1515PBI2012 on sustainable economic development, which mandated the banking industry to serve environmental protection while in process of assessing assets quality. Besides, based on Bank Indonesia Regulation PBI No.1426PBI2012 and PBI No.1422PBI2012, all banks must increase access and productive loans portion for Micro, Small and Medium Enterprises SMMEs. SMMEs is rated as an important sector, which can contribute significantly to the national economic development. In this regard, the OJK also issued a Sustainable Finance Roadmap in Indonesia from 2015 to 2019 as the guideline for banking in performing better financial practices. With reference to those regulations, Bank Mandiri actively participates in the development of SMMEs sector in effort to improve people’s lives through the provision of credit in various segments. The SMMEs lending program was classified on the basis of three business abilities, namely: [G4-FS7] 1. SMMEs that are potentially feasible but not bankable, the financing is provided through the Partnership Program.