Jakarta - Perum Jamkrindo has entered into a collaboration with PT Bank Tabungan Negara (Persero) Tbk to enhance their existing partnership in banking services and credit guarantee. Director of Perum Jamkrindo, Randi Anto, stated that the cooperation was formalized through the signing of a memorandum of understanding (MoU) and three cooperation agreements.
The MoU concerns the synergy of banking services and credit guarantee. Meanwhile, the three cooperation agreements cover banking services for Jamkrindo employees, light credit guarantee (KRING) for BTN, and KRING BTN housing program guarantees for civil servants (ASN), TNI, and police officers.
This collaboration is a strategic move by both companies to expand their long-term relationship. Prior to this, the two companies had already collaborated in Credit Guarantee for Micro Enterprises (KUR), Credit Guarantee for Housing Liquidity Facility (FLPP), and Credit Guarantee for Ex-KUR, among others. "We are very excited about this cooperation. This is a milestone in strengthening the relationship between Perum Jamkrindo and BTN," said Randi after the signing of the MoU and cooperation agreements in Jakarta on Tuesday, December 18, 2018.
From January 2015 to July 2018, the realization of credit guarantee cooperation between Perum Jamkrindo and BTN reached around IDR 61.31 trillion. The cooperation agreement for Light Credit Guarantee (Kring) with BTN is expected to increase the credit guarantee portfolio of Perum Jamkrindo. “We project the guarantee volume for Kring BTN will reach IDR 1.5 trillion per year,” Randi explained.
The credit guarantee applies to debtors from Kring BTN Active, Kring BTN Pre-Retirement, Kring BTN Pensioners, and Kring BTN Education. The automatic conditional guarantee is provided to debtors in the Kring BTN Active program with a ceiling of up to IDR 500 million, Kring BTN Pre-Retirement, and Kring BTN Pensioners up to IDR 300 million, and Kring Education up to IDR 100 million, with guarantees above these amounts being assessed case by case.
Meanwhile, for civil servants (ASN), TNI, and police officers who are debtors of the Kring BTN Housing Program for ASN, TNI & POLRI, such as Kring BTN Housing Program for Active ASN, TNI & POLRI, Kring BTN Housing Program for Pre-Retirement and Pensioners, are entitled to guarantees. Automatic conditional guarantees are provided for debtors who receive Kring with a maximum of IDR 1 billion for active ASN, TNI & POLRI and pre-retirement, and for Kring BTN Housing Program for Pensioners with a loan ceiling of IDR 300 million.
In addition to the KRING BTN product collaboration, Perum Jamkrindo is also collaborating with BTN to provide banking services to Jamkrindo employees. This cooperation covers the provision of credit facilities or consumer financing for Perum Jamkrindo employees. "This way, all employees can have access to easy credit to meet their needs," said Randi. The fulfillment of these needs is expected to improve the productivity of Perum Jamkrindo's human resources. (HUMAS)