BERITA JAKARTA - PT. DKI Bank disbursed Rp 200 billion of working capital loan to PT. Permodalan Nasional Madani (PNM). This loan is tenured 4 years which distributed in Wa’ad Wal Mudharabah – Executing scheme of Rp 100 billion and in form of working capital loan (conventional) of Rp 100 billion. The signing of this fund distribution was conducted by President Director of DKI Bank Eko Budiwiyono and President Director of PNM Parman Nataatmadja in Jakarta, Monday (8/22). (source)
Eko explained this loan will be distributed to ULaMM (Micro Capital Services Unit), which is a capital loan/financing service that will be given to entrepreneur, either individually or in the form of business entity.
Through this loan disbursement, DKI Bank hopes can improve syariah banking acceleration by increasing the expansion of syariah finance business unit of Bank DKI to financing institutions, such as PNM, and to UMKM sectors and cooperatives. The number of ULaMM exists currently are 377 units which supervised by 13 PNM branches all around Indonesia, including 34 ULaMM which spread out in Jabodetabek (Jakarta, Bogor, Depok, Tangerang, Bekasi). “It is a potential market,” he expressed.
DKI Bank is now trying to improve financing to UMKM sectors and cooperatives because these sectors are considered able to survive and tested in facing economic turmoil that is often not profitable.
Per July 2011, DKI Bank Syariah Business Unit (UUS) has assets of Rp 930.47 billion with third party income of Rp 509 billion. It has distributed Rp 677 billion of financing and gain profit by Rp 16.66 billion. Currently, the network of UUS DKI Bank consists of 12 syariah branches, 3 syariah sub-branches, 7 syariah cash offices, and 38 channeling offices at DKI Bank conventional office. In the nearest future, DKI Bank UUS will launch iB (rahn) gold mortgage product and hajj bailout as well as opening Syariah Micro Outlet.
In implementing its marketing strategy, DKI Bank UUS will be more approaching retail and micro business segments with community-based (Segmented Community Based Marketing) by actively visit target communities, such as schools, foundations, mass organizations, pharmacists, and a number of informal communities to offer cooperation to all members.
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