Supply Chain Financing FA AR BJB 2016 lowress

Laporan Tahunan 2016 188 Semakin Berkembang Bersama peluang Baru yang Membentang Tabel Kinerja Produk Kredit UmKm Table of UmKm credit Product Performance dalam juta Rupiah | in million Rupiah Keterangan Des 2016 explanation pelunasan 249,824 paid off Write Off 463,277 Write off Rencana dan Strategi di Tahun 2017 Adapun Rencana dan strategi Divisi Kredit UMKM ialah sebagai berikut. 1. Special Rate Produk Kredit Mikro Utama Dalam ketatnya persaingan dalam mendapatkan potensi potensial di perlukan startegi untuk mengakuisisi potensi yang ada di bank lain dengan cara memberikan bunga murah, sehingga di harapkan dapat menarik calon debitur yang potensial. 2. Usulan Suku Bunga KMU yang Kompetitif Pemerintah telah menggalakkan suku bunga sektor UMKM menjadi 1 digit, dimana saat ini bank plat merah BUMN telah menerapkan nya untuk sektor UMKM. Sehingga mau tidak mau kita harus mengikuti persaingan yang kompetitif dalam hal suku bunga. 3. Perubahan sistem perhitungan suku bunga UKM Perubahan dari sistem efektif menjadi anuitas 4. Mobile Pipe Line Pentingnya Pengawasan aktifitas penjualan yang tersebar di seluruh Cabang dan KCP, terutama penjualan produk UMKM dimana potensi tersebar di pelosok kota sampai pedesaan, sehingga di perlukan suatu sistem yang berjalan sistematis dalam memberikan informasi perkembangan dari setiap kegiatan penjualan dan perkembangan dari setiap proses kredit. 5. Dashboard Enhancement Pentingnya mengetahui secara rutin, cepat, tepat dan akurat terhadap semua posisi dan portofolio kredit sehingga dapat dengan tegas memutuskan setiap tindakan dan arahan yang perlu di lakukan. Memberikan gambaran pencapaian setiap tenaga penjual sampai portofolio divisi UMKM sehingga perhitungan kunatitatif dapat terukur akurat yang sangat erat berhubungan dengan penilaian kinerja individu KPI. KPR dan KKB Perkembangan dan Tantangan Bisnis KPR dan KKB Portofolio bjb KPR dan KKB pada akhir Desember 2016 sebesar Rp4.557 miliar. Pertumbuhan portofolio bjb KPR dan KKB mulai mengalami peningkatan sejak bulan September 2016 seiring dengan adanya peningkatan rasio LTV sesuai dengan ketentuan LTV dari regulator. TINJAUAN OPERASIONAL oPeRaTional RevieW Plans and Strategies in 2017 Plans and strategies of UMKM Credit Division are as follows: 1. Mikro Utama Loans Products Special Rate In the intense competition in getting the potential that needs a strategy to acquire the potential that exists in other banks by providing low interest, so it is expected to attract a potential debtor. 2. Proposed Competitive KMU Interest Rate The Government has been promoting the UMKM sector interest rates to 1 digit, which is now the State-owned bank BUMN have applied it to the UMKM sector. So inevitably we have to follow the competitive rivalry in terms of interest rates 3. Changes in the UKM interest rate calculation system The system change from effectively becomes an annuity 4. Mobile Pipe Line The importance of sales activities monitoring that spread across at all branches and KCP, especially UMKM products sales where the potentials were scattered across the city to the countryside, so it is requiredi a system that runs systematicly in providing progress information of each sales activities and the development of each credit process. 5. Dashboard Enhancement The importance of routinely, quickly and accurately knowing all loan positions and portfolio so as to firmly decide every action and directives that need to be done. Provide an overview of each salesperson’s achievement until the division’s portfolio of UMKM so that quantitative calculations can be measured accurately which was closely associated with the individual performance assessment KPI. KPR and KKB Housing Loan KPR and Auto Loan KKB bjb Mortgage and Vehicle Loans portfolio per December 2016 was Rp. 4,557 billion. Growth of bjb Mortgage and Vehicle Loans portfolio started to increase since September 2016 due to an increase in LTV ratios in accordance with LTV provisions from the regulator.