Denpasar (Armfalcon.com) – The Regional Owned Enterprise (BUMD) PT Bank Pembangunan Daerah (BPD) Bali focuses on segmenting credit distribution for micro, small and medium enterprises (MSMEs) to accelerate increased access to finance on the Island of the Gods.
“We have a mission to serve MSMEs because they are driving the regional economy,” said Head of the BPD Bali Credit Division I Gusti Ayu Citrawati in Denpasar, Bali, Tuesday.
According to him, to support the performance of MSMEs, the regional government-owned bank in Bali is boosting the realization of People’s Business Credit (KUR) for a number of segments, both super micro, micro and small, which in 2023 has a distribution target of Rp. 1.6 trillion with interest rates reaching three per year. percent.
The realization of KUR during January-April 2023 reached IDR 549.6 billion, most of which was absorbed in the productive sector.
Meanwhile, KUR realization in 2022 is close to IDR 1.1 trillion from the target of IDR 1.2 trillion.
This state-owned bank also targets MSME players who were previously KUR debtors and have now been upgraded to become business actors on a larger scale, namely by offering a decreasing interest rate of 0.83 percent per month.
His party also modified super-micro and micro KUR with additional benefits for the debtor to be included in the Employment BPJS program with a premium for 12 months borne by the bank.
The realization of overall credit at the bank with the green icon as of the first quarter of 2023 reached IDR 20.16 trillion or grew 1.83 percent compared to the same period the previous year.
His party targets the realization of credit in 2023 to grow by six percent from the realization in 2022 which at that time reached IDR 20.06 trillion.
In addition to MSME credit segmentation, this bank also maintains credit segmentation for Civil Servants (PNS) and retirees as one of the performance cores that supports credit realization targets.
Meanwhile, the Regional VIII Bali and Nusa Tenggara Financial Services Authority (OJK) noted that the Financial Literacy Index in Bali Province in 2022 increased to 57.66 percent compared to 2019 of 38.06 percent.
Meanwhile, the Bali Financial Inclusion Index was 92.21 percent higher than the national achievement of 85.10 percent.
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Editor: Biqwanto Situmorang
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