{"id":3835,"date":"2023-01-12T06:48:16","date_gmt":"2023-01-11T23:48:16","guid":{"rendered":"https:\/\/businessupdate.id\/?p=3835"},"modified":"2023-01-12T06:48:17","modified_gmt":"2023-01-11T23:48:17","slug":"strategi-cimb-finance-turunkan-angka-kredit-macet","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=3835","title":{"rendered":"Strategi CIMB Finance Turunkan Angka Kredit Macet"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>BusinessUpdate &#8211;<\/strong> Rasio kredit macet alias <em>non-performing financing <\/em>(NPF) PT CIMB Niaga Auto Finance (CNAF) sebesar 1,26% (<em>unaudited<\/em>) pada 2022, lebih tinggi dibandingkan dengan periode 2021 yakni 0,99% (<em>audited<\/em>).\u00a0\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Presiden Direktur CIMB Niaga Finance Ristiawan Suherman mengatakan angka itu masih di bawah permasalahan kredit macet di industri yang berkisar pada level 2,54%.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Meski demikian, ia menyebutkan tengah menjalankan sejumlah strategi agar NPF kembali rendah.&nbsp; \u201cUntuk menjaga nilai NPF ada di kisaran sangat sehat kami melakukan beberapa hal,\u201d kata Ristiawan, Selasa (10\/1\/2023).&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Strategi itu meliputi, pertama, menggunakan Sistem Layanan Informasi Keuangan (SLIK) dalam menentukan keputusan kredit. Adapun SLIK merupakan sistem informasi yang dikelola oleh Otoritas Jasa Keuangan (OJK) untuk merekam catatan kredit dan karakter pembayaran nasabah.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Langkah kedua, terus memperkuat mesin <em>scoring<\/em> sebagai referensi dalam menentukan nasabah yang layak atau tidak layak mendapatkan fasilitas pembiayaan dari CNAF.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Langkah berikutnya, terus memperkuat proses <em>know your customer<\/em> (KYC) dari sisi akuisisi dan proses asesmen nasabah. Hal tersebut merupakan langkah perusahaan untuk mengenal nasabahnya sehingga menghindari transaksi yang mencurigakan.&nbsp;&nbsp;<br>\u201cKami juga memberlakukan aturan minimum <em>down payment <\/em>yang cukup untuk memastikan kemampuan bayar nasabah, minimal berada di kisaran 20% hingga 25% persen,\u201d pungkasnya. (rn\/jh)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; Rasio kredit macet alias non-performing financing (NPF) PT CIMB Niaga Auto Finance (CNAF) sebesar 1,26% (unaudited) pada 2022, lebih tinggi dibandingkan dengan periode 2021 yakni 0,99% (audited).\u00a0\u00a0 Presiden Direktur CIMB Niaga Finance Ristiawan Suherman mengatakan angka itu masih di bawah permasalahan kredit macet di industri yang berkisar pada level 2,54%.&nbsp; Meski demikian, ia [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":3836,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[83,48],"tags":[1944,1945,765,1457,897,1859,1942,1943],"class_list":["post-3835","post","type-post","status-publish","format-standard","has-post-thumbnail","category-bums","category-finance","tag-cimb-niaga-auto-finance","tag-cnaf","tag-kredit","tag-leasing","tag-macet","tag-multifinance","tag-npl","tag-strategi"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Strategi CIMB Finance Turunkan Angka 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=3835\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Strategi CIMB Finance Turunkan Angka Kredit Macet - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; Rasio kredit macet alias non-performing financing (NPF) PT CIMB Niaga Auto Finance (CNAF) sebesar 1,26% (unaudited) pada 2022, lebih tinggi dibandingkan dengan periode 2021 yakni 0,99% (audited).\u00a0\u00a0 Presiden Direktur CIMB Niaga Finance Ristiawan Suherman mengatakan angka itu masih di bawah permasalahan kredit macet di industri yang berkisar pada level 2,54%.&nbsp; Meski demikian, ia [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/businessupdate.id\/?p=3835\" \/>\n<meta property=\"og:site_name\" content=\"Businessupdate.id\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/profile.php?id=100088795961927\" \/>\n<meta property=\"article:published_time\" content=\"2023-01-11T23:48:16+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-01-11T23:48:17+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/businessupdate.id\/wp-content\/uploads\/2023\/01\/cimb-finance-e1673480887981.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1222\" \/>\n\t<meta property=\"og:image:height\" content=\"768\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Rahman N\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@EnterpriseMse\" \/>\n<meta name=\"twitter:site\" content=\"@EnterpriseMse\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Rahman N\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/businessupdate.id\/?p=3835\",\"url\":\"https:\/\/businessupdate.id\/?p=3835\",\"name\":\"Strategi CIMB Finance Turunkan Angka Kredit Macet - Businessupdate.id\",\"isPartOf\":{\"@id\":\"https:\/\/businessupdate.id\/#website\"},\"datePublished\":\"2023-01-11T23:48:16+00:00\",\"dateModified\":\"2023-01-11T23:48:17+00:00\",\"author\":{\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/ee5f4945907fe4de4de101853e46af6f\"},\"breadcrumb\":{\"@id\":\"https:\/\/businessupdate.id\/?p=3835#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/businessupdate.id\/?p=3835\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/businessupdate.id\/?p=3835#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/businessupdate.id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Strategi CIMB Finance Turunkan Angka Kredit Macet\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/businessupdate.id\/#website\",\"url\":\"https:\/\/businessupdate.id\/\",\"name\":\"Businessupdate.id\",\"description\":\" \",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/businessupdate.id\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/ee5f4945907fe4de4de101853e46af6f\",\"name\":\"Rahman N\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/1b32fc3b4985e656f7a6bdb915824456c4309ce4721945bcc9d320300beed9f0?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/1b32fc3b4985e656f7a6bdb915824456c4309ce4721945bcc9d320300beed9f0?s=96&d=mm&r=g\",\"caption\":\"Rahman N\"},\"sameAs\":[\"http:\/\/businessupdate.id\"],\"url\":\"https:\/\/businessupdate.id\/?author=4\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Strategi CIMB Finance Turunkan Angka Kredit Macet - Businessupdate.id","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/businessupdate.id\/?p=3835","og_locale":"en_US","og_type":"article","og_title":"Strategi CIMB Finance Turunkan Angka Kredit Macet - Businessupdate.id","og_description":"BusinessUpdate &#8211; 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