{"id":15654,"date":"2024-11-19T14:53:23","date_gmt":"2024-11-19T07:53:23","guid":{"rendered":"https:\/\/businessupdate.id\/?p=15654"},"modified":"2024-11-19T14:53:31","modified_gmt":"2024-11-19T07:53:31","slug":"strategi-bri-turunkan-rasio-kredit-macet","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=15654","title":{"rendered":"Strategi BRI Turunkan Rasio Kredit Macet"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>BusinessUpdate &#8211;<\/strong> PT Bank Rakyat Indonesia (Persero) Tbk. (BBRI) telah berhasil menurunkan rasio kredit bermasalahnya atau <em>Non Performing Loan<\/em> (NPL) menjadi 2,90% per September 2024. Pada periode yang sama tahun sebelumnya, NPL BRI berada di posisi 3,07%. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Direktur Utama BRI Sunarso mengungkapkan tingkat kelancaran para debitur yang menurun atau <em>downgrade<\/em> juga telah berkurang. Secara kuartalan atau <em>quarter on quarter<\/em> (qoq), jumlah kredit yang <em>downgrade<\/em> menjadi &#8220;kurang lancar&#8221; dan &#8220;macet&#8221; telah berkurang sekitar Rp750 miliar. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sunaro mengungkapkan bagaimana strategi BRI mengelola kualitas asetnya menjadi lebih baik. Ada beberapa cara yang ditempuh BRI dalam menurunkan tingkat NPL dan <em>downgrade<\/em> portfolio kredit. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8220;Pertama, adalah di <em>front end<\/em>, bagian pemasaran kita tekankan untuk tetap menumbuhkan kredit namun selektif dan kita perketat <em>risk acceptance<\/em> kriterianya dan juga proses <em>underwriting<\/em>-nya dengan penerapan prinsip-prinsip <em>corporate governance<\/em> yang lebih ketat,&#8221; ungkap Sunarso di segmen Money Talks Power Lunch CNBC Indonesia, Selasa (5\/11\/2024). <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kemudian di bagian <em>mid end<\/em>, Sunarso menjelaskan portofolio kredit yang sudah di dalam neraca BRI itu harus dipersiapkan agar kualitas kreditnya terjaga. Caranya, dengan memperkuat monitoring, meningkatkan <em>risk awareness<\/em>. Selain itu, secara periodik bank yang fokus pada pembiayaan UMKM itu melakukan <em>stress testing<\/em> guna mengetahui arah gejolak dari portolio kreditnya. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pada <em>back end<\/em>, yakni pada portfolio kredit macet yang sudah tak bisa diselamatkan, akan dilakukan restrukturisasi. &#8220;Kalau sudah tidak bisa dijaga, tetap jatuh, diapakan? Hal itu di <em>back end<\/em> yang mengerjakan. Kemudian kita lakukan restrukrisasi, bahkan jika diperlukan kita lakukan <em>early<\/em> restrukturisasi,&#8221; terang Sunarso. Jika kredit yang sudah direstrukturisasi masih belum terpenuhi, ia mengatakan BRI akan mengakserasi proses <em>recovery<\/em>. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8220;Hal ini sudah menjadi bisnis model di segmen mikro. Jadi di <em>front end<\/em> memang harus agresif mencari muatan dan kemudian muatan itu dipilah, ada yang bisa ditahan dalam keadaan sehat, dan itu tugasnya <em>mid end<\/em>,&#8221; kata Sunarso. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tetapi kemudian kalau yang nggak sehat dilempar ke belakang, di bagian <em>back end<\/em>. Kalau masih bisa punya harapan, dilakukan restrukturisasi. Namun, kalau sudah tidak bisa diapakan-apakan lagi ya di-<em>write off<\/em>. Write off atau hapus buku kredit macet bakal dilakukan, namun penagihan tetap dilakukan. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sunarso mengatakan hasil dari penagihan itu adalah pendapatan dari <em>recovery<\/em>. &#8220;Karena sebenarnya, itu uang kita yang sudah kita cadangkan dan kita tarik balik. Makanya dalam bentuk pendapatan dari <em>recovery<\/em>. Jadi bisnis model ini yang perlu dipahami oleh semua <em>stakeholder<\/em>,&#8221; tututpnya. (ip\/jh)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; PT Bank Rakyat Indonesia (Persero) Tbk. (BBRI) telah berhasil menurunkan rasio kredit bermasalahnya atau Non Performing Loan (NPL) menjadi 2,90% per September 2024. Pada periode yang sama tahun sebelumnya, NPL BRI berada di posisi 3,07%. Direktur Utama BRI Sunarso mengungkapkan tingkat kelancaran para debitur yang menurun atau downgrade juga telah berkurang. Secara kuartalan [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":15282,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84],"tags":[426,103,325,765,897,1942,1060,3619],"class_list":["post-15654","post","type-post","status-publish","format-standard","has-post-thumbnail","category-bank","tag-bank","tag-bri","tag-indonesia","tag-kredit","tag-macet","tag-npl","tag-rakyat","tag-rasio"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Strategi BRI Turunkan Rasio Kredit Macet - 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=15654\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Strategi BRI Turunkan Rasio Kredit Macet - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; PT Bank Rakyat Indonesia (Persero) Tbk. (BBRI) telah berhasil menurunkan rasio kredit bermasalahnya atau Non Performing Loan (NPL) menjadi 2,90% per September 2024. Pada periode yang sama tahun sebelumnya, NPL BRI berada di posisi 3,07%. Direktur Utama BRI Sunarso mengungkapkan tingkat kelancaran para debitur yang menurun atau downgrade juga telah berkurang. 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