JAKARTA – As 2016 comes to an end, Perum Jamkrindo is expanding its loan guarantee business by partnering with PT Bank Pembangunan Daerah (BPD) Kalsel to boost credit performance among entrepreneurs. The signing ceremony took place at BPD Kalsel’s Jakarta branch on Friday (23/12/2016) and was signed by Perum Jamkrindo’s Director of Guarantee Business, Bhakti Prasetyo, and Bank Kalsel’s President Director, H. Irfan, along with the presence of Bank Kalsel’s Business Director, H. Supian Noor.
Bhakti Prasetyo expressed his hope that this collaboration would provide direct benefits to both individuals and corporations seeking to utilize various credit and financing products offered by both institutions. "The purpose of this partnership is to enhance synergy between the two financial institutions and to support the smooth execution of their respective business activities," said Bhakti.
He also emphasized the strategic nature of this partnership, which aims to improve the performance of both parties. "This collaboration is highly strategic and aims to enhance the performance of all stakeholders, including increasing credit disbursement by Bank Kalsel and expanding Perum Jamkrindo’s guarantee volume," he added.
Under this agreement, Bank Kalsel will offer Entrepreneurial Credit Guarantees, also known as productive credit, with loan amounts reaching up to IDR 250 million or more. This scheme is specifically designed for salaried employees, with loan repayments deducted directly from their monthly salaries.
As of November 2016, Perum Jamkrindo’s total guaranteed loan volume stood at IDR 112.85 trillion, consisting of IDR 69.76 trillion in Non-KUR guaranteed loans and IDR 43.09 trillion in KUR guaranteed loans.
By the end of 2016, the total combined Non-KUR and KUR guaranteed loans are projected to reach IDR 124.07 trillion, or 101.28% of the 2016 target. Meanwhile, guarantee service fees collected are expected to reach IDR 1.83 trillion, equivalent to 88.20% of the annual target.
For 2017, Perum Jamkrindo has set a higher guarantee volume target, increasing from IDR 115 trillion in 2016 to IDR 145 trillion. Non-KUR credit guarantees will remain the primary contributor, with targets set at IDR 96 trillion for Non-KUR guarantees and IDR 50 trillion for KUR guarantees.
This partnership is expected to strengthen financial accessibility for entrepreneurs and further support Indonesia’s economic growth.