PT Jaminan Kredit Indonesia (Jamkrindo) has won an award at the IDX Channel Anugerah Inovasi 2022. In this event, IDX Channel recognized Jamkrindo's innovation, Jamkrindo Online Suretyship (JOS), in the External Relations category. The award was symbolically presented by the Head of Business Division 3, Abdillah Putera.
The Director of Business Guarantee at PT Jamkrindo, Suwarsito, stated that the business world has experienced significant changes due to rapid technological advancements, the impact of information technology, and the Covid-19 pandemic. In response to these changes, Jamkrindo needed to quickly transform in order to better adapt to future opportunities and challenges.
"Innovating JOS is Jamkrindo's commitment to offering innovative, competitive, professional, effective, and efficient guarantee services on a sustainable basis. Amid the Covid-19 pandemic, JOS has helped principals manage project guarantees easily and efficiently," Suwarsito remarked.
Through the JOS application, principals who need project guarantees no longer have to visit Jamkrindo's office directly; they can simply register via the website suretyship.jamkrindo.co.id. The guarantee process on JOS is very easy—principals can independently input the necessary data, and Jamkrindo's team will verify it. If the application is eligible for a guarantee, Jamkrindo will notify the principal via the website that the guarantee application has been approved. Afterward, the principal can make the guarantee service payment according to the invoice and collect the guarantee certificate at the nearest Jamkrindo branch office.
As part of its internal readiness for Industry 4.0 and the digital economy, Jamkrindo has implemented various transformations in its business through the appropriate use of information technology. This allows for online collaboration with its UMKM partners and banks or financial institutions, whether via host-to-host, web services, or digital platforms like JOS.
As a credit guarantee company under the Indonesia Financial Group (IFG) holding, Jamkrindo offers various products, including both program and non-program guarantees. For program guarantees, Jamkrindo provides KUR (Kredit Usaha Rakyat) guarantees and KMK (Kredit Modal Kerja) guarantees under the PEN program. For non-program guarantees, Jamkrindo offers general credit guarantees, micro credit guarantees, construction and goods/services procurement guarantees, distribution guarantees, surety bonds, customs bonds, supply chain financing (invoice financing), and other credit guarantees.