{"id":14367,"date":"2024-09-06T09:11:08","date_gmt":"2024-09-06T02:11:08","guid":{"rendered":"https:\/\/businessupdate.id\/?p=14367"},"modified":"2024-09-06T09:11:12","modified_gmt":"2024-09-06T02:11:12","slug":"krom-bank-segera-luncurkan-personal-loan-untuk-segmen-atas","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=14367","title":{"rendered":"Krom Bank Segera Luncurkan Personal Loan untuk Segmen Atas"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>BusinessUpdate &#8211; <\/strong>PT Krom Bank Indonesia Tbk. (BBSI) bakal meluncurkan <em>personal loan<\/em> untuk segmen atas yang dijadwalkan akan dirilis pada kisaran akhir 2024 hingga awal 2025.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sebelumnya, sudah ada bank digital yang lebih dulu bermain di <em>personal loan<\/em> (kredit perorangan), seperti PT Bank Raya Indonesia Tbk. (AGRO) melalui melalui produk Pinang Flexi alias layanan pinjaman multiguna untuk karyawan.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Presiden Direktur Krom Bank Indonesia Anton Hermawan menyatakan bahwa peluncuran produk ini diharapkan dapat menjadi keran baru guna mendongkrak profitabilitas bank.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sebagai informasi, bank digital besutan Kredivo Group ini sempat mencatatkan laba bersih Rp132,57 miliar pada 2023, naik 77,2% yoy dibandingkan laba bersih tahun sebelumnya Rp74,81 miliar.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cDi Krom Bank ini kita akan bikin <em>personal loan<\/em>, yang segmennya mungkin agak sedikit berbeda dengan Kredivo. Jadi kita akan coba masuk ke segmen yang lebih atas, di mana kebutuhannya diharapkan lebih besar, dan juga tenornya lebih tinggi. Pasti akan bersaing lebih murah [suku bunganya]\u201d ujar Anton di Jakarta, Kamis (5\/9\/2024).&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Adapun, untuk saat ini pengembangan produk <em>personal loan<\/em> sebenarnya telah selesai. Namun, perseroan masih berada dalam tahap permohonan persetujuan dari regulator.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Terkait risiko kredit yang mengintai ke depan, Anton juga menjelaskan bahwa kehati-hatian menjadi sangat penting dalam mengembangkan dan meluncurkan fitur-fitur di bank digital saat ini.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pihaknya pun terus memastikan adanya pembenahan sistem, terutama dalam hal <em>underwriting<\/em>, yakni proses evaluasi kelayakan calon peminjam.&nbsp; \u201cJadi kami tidak akan jor-joran, kami akan sangat berhati-hati,\u201d ucapnya.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Terkait kinerja, Krom Bank mencatatkan laba bersih Rp65,14 miliar pada semester I\/2024, tumbuh 11,77% secara tahunan (yoy) dibandingkan laba bersih periode yang sama tahun sebelumnya Rp58,27 miliar.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Berdasarkan laporan keuangannya, raupan laba bank digital ini ditopang oleh pendapatan bunga bersih (<em>net interest income<\/em>\/NII) yang melonjak 172,12% yoy menjadi Rp406,9 miliar pada kuartal II\/2024.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Margin bunga bersih (<em>net interest margin<\/em>\/NIM) Krom Bank pun naik dari 9,68% per Juni 2023, menjadi 19,93% per Juni 2024. Dari sisi intermediasi, Krom Bank tercatat ekspansif menyalurkan kredit. Bank telah menyalurkan kredit Rp2,69 triliun pada kuartal II\/2024, melesat 113,07% yoy. Aset pun naik 45,52% yoy menjadi Rp4,91 triliun pada kuartal II\/2024.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Adapun, kualitas aset bank memburuk, di mana rasio kredit bermasalah (<em>non performing loan<\/em>\/NPL) gross membengkak menjadi 3,93% per Juni 2024, dibandingkan 0,77% per Juni 2023. Lalu, NPL net berada di level 0,89% dari sebelumnya 0,76%.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dari sisi pendanaan, Krom Bank telah meraup dana pihak ketiga (DPK) sebesar Rp1,46 triliun pada kuartal II\/2024, melesat 582,36% yoy, dibandingkan periode yang sama tahun sebelumnya hanya Rp214,83 miliar. (pa\/jh)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; PT Krom Bank Indonesia Tbk. (BBSI) bakal meluncurkan personal loan untuk segmen atas yang dijadwalkan akan dirilis pada kisaran akhir 2024 hingga awal 2025.&nbsp; Sebelumnya, sudah ada bank digital yang lebih dulu bermain di personal loan (kredit perorangan), seperti PT Bank Raya Indonesia Tbk. (AGRO) melalui melalui produk Pinang Flexi alias layanan pinjaman [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":11181,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84,46],"tags":[426,765,6298,7576,7575,381],"class_list":["post-14367","post","type-post","status-publish","format-standard","has-post-thumbnail","category-bank","category-economic","tag-bank","tag-kredit","tag-krom","tag-perseorangan","tag-personal","tag-pinjaman"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Krom Bank Segera Luncurkan Personal Loan untuk Segmen Atas - Businessupdate.id<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/businessupdate.id\/?p=14367\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Krom Bank Segera Luncurkan Personal Loan untuk Segmen Atas - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; PT Krom Bank Indonesia Tbk. 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