{"id":529228,"date":"2022-07-26T15:00:58","date_gmt":"2022-07-26T08:00:58","guid":{"rendered":"https:\/\/www.vibiznews.com\/?p=529228"},"modified":"2022-07-26T15:00:58","modified_gmt":"2022-07-26T08:00:58","slug":"mengapa-bank-gencar-salurkan-kredit-secara-digital","status":"publish","type":"post","link":"https:\/\/vibiznews.com\/index.php\/2022\/07\/26\/mengapa-bank-gencar-salurkan-kredit-secara-digital\/","title":{"rendered":"Mengapa Bank Gencar Salurkan Kredit Secara Digital?"},"content":{"rendered":"<p style=\"text-align: justify;\">(Vibiznews \u2013 Banking &amp; Insurance) \u2013 Sesuai dengan perkembangan zaman yang serba teknologi maka fasilitas perbankan mulai bergeser kepada digitalisasi jika bank ingin tetap exist. Tidak heran perbankan semakin gencar menyalurkan kredit secara digital pada tahun ini.<\/p>\n<h4><strong>Bagaimana caranya menyalurkan kredit secara digital?<\/strong><\/h4>\n<p>Salah satunya dengan menggandeng perusahaan <em>financial technology (fintech) lending<\/em>.<\/p>\n<p style=\"text-align: justify;\">Melalui kerja sama tersebut, perbankan berperan sebagai <em>lender<\/em> atau pemberi pinjaman kepada nasabah <em>fintech.<\/em> Jumlah nilai pinjaman yang disalurkan perbankan dapat mencapai miliaran hingga triliunan rupiah.<\/p>\n<p style=\"text-align: justify;\"><strong>Beberapa bank yang telah melakukan kerjasama dengan perusahaan Fintech Lending.<\/strong><\/p>\n<p style=\"text-align: justify;\">Bank DBS Indonesia misalnya, baru saja menambahkan limit <em>joint financing<\/em> kepada Kredivo menjadi Rp 2 triliun pada Rabu (20\/7) lalu. Nilai itu meningkat dua kali lipat dari tahun sebelumnya sebesar Rp 1 triliun.<\/p>\n<p style=\"text-align: justify;\">Sebagai informasi, perusahaan telah menggandeng tiga fintech dan berencana menambah kerja sama dengan partner lain. Consumer Banking Director Bank DBS Indonesia Rudy Tandjung mengatakan, pihaknya tengah menjajaki kerja sama serupa dengan dua <em>fintech<\/em> berbeda.<\/p>\n<p style=\"text-align: justify;\">Tentu saja dalam menggandeng partner baru, perusahaan menerapkan prinsip kehati \u2013 hatian dan <em>good corporate governance.<\/em> Demikian juga adanya kesamaan visi dan misi, memiliki jejak rekam yang baik serta berkomitmen terhadap keamanan data.<\/p>\n<p style=\"text-align: justify;\">Lain halnya dengan Bank Mandiri, yang menargetkan penyaluran kredit UMKM melalui <em>fintech<\/em> lebih dari Rp 1 triliun pada tahun ini. Untuk itu, bank berlogo pita emas ini akan menambah dua hingga tiga partner baru.<\/p>\n<p style=\"text-align: justify;\">Pertimbangan yang dilakukan oleh Bank Mandiri menargetkan UMKM karena menilai penyaluran kredit melalui <em>fintech<\/em> memberikan kemudahan akses bagi UMKM.<\/p>\n<p>&#8220;Apalagi, pemerintah telah menargetkan porsi pembiayaan kepada pelaku UMKM mencapai 30% pada tahun 2024,&#8221; terang Asharaf Farahnaz, Senior Vice President Micro Development &amp; Agent Banking Bank Mandiri.(Sumber: Kontan, 24 Juli 2022)<\/p>\n<p style=\"text-align: justify;\">Ia berharap penyaluran kredit melalui <em>fintech<\/em> dapat memperluas target pasar. Dengan strategi tersebut, makin banyak nasabah yang mendapat akses pinjaman modal dan proses penyaluran menjadi lebih efisien.<\/p>\n<p style=\"text-align: justify;\">Selanjutnya, Bank Neo Commerce juga menyalurkan kredit senilai Rp 60 miliar melalui fintech, 360Kredi melalui skema <em>channeling<\/em> pada Juni lalu. Direktur Utama Bank Neo Commerce Tjandra Gunawan menilai, kolaborasi ini selaras dengan upaya perseroan dalam memberikan layanan perbankan secara <em>end-to-end.<\/em><\/p>\n<p style=\"text-align: justify;\">&#8220;Kolaborasi strategis dengan 360Kredi melalui penyediaan pinjaman konsumtif bagi masyarakat maksimal Rp 5 juta. Ini diharapkan dapat memudahkan masyarakat mendapatkan layanan keuangan berupa pinjaman dari sumber terpercaya,&#8221; jelasnya.<\/p>\n<p style=\"text-align: justify;\">Hal yang sama dilakukan Bank Ganesha yang memberikan fasilitas kredit senilai Rp 25 miliar kepada <em>fintech Restock.id<\/em> melalui skema <em>channeling<\/em>. Penyaluran pembiayaan kali ini menyasar segmen UMKM berupa <em>inventory financing<\/em> kepada UMKM.<\/p>\n<h5>Mengapa memilih Fintech Restock.id?<\/h5>\n<p>Menurut Octavian, Kepala Divisi Consumer and Fintech Channel Bank Ganesha, kolaborasi ini dapat membantu ekspansi bisnis perusahaan serta menjangkau penyaluran kredit kepada pelaku UMKM.<\/p>\n<p>\u201cKarena Restock.id yang memiliki fokus industri yang unik yaitu industri kreatif dan <em>retail fashion <\/em>berbasis digital,\u201d ujar Octavian<\/p>\n<p style=\"text-align: justify;\">Menurut Analis Vibiz Research Center mengapa bank semakin gencar melakukan penyaluran kredit secara digital karena memang zaman sudah berubah. Preferensi masyarakat dengan adanya pandemi Covid-19 yang berkepanjangan memicu masyarakat untuk melakukan transaksi secara <em>online<\/em>.<\/p>\n<p style=\"text-align: justify;\">Tanpa disadari, pandemi telah menghadirkan momentum untuk mengadopsi dan mempercepat digitalisasi dan memanfaatkannya dalam transaksi dan aktivitas ekonomi kita.<\/p>\n<p style=\"text-align: justify;\">Sehingga masyarakat tidak perlu lagi secara fisik pergi ke bank, hanya dengan menggunakan perangkat smartphone sudah dapat melakukan transaksi pembayaran. Tidak heran transaksi dengan menggunakan <em>mobile banking, digital banking<\/em> semakin menjamur di mana-mana.<\/p>\n<p style=\"text-align: justify;\">Lagi pula digitalisasi sistem pembayaran sejalan dengan program Bank Indonesia yang merupakan realisasi dari <em>Blue Print<\/em> Sistem Pembayaran (BSPI 2025). Digitalisasi sistem pembayaran menjadi <em>game changer<\/em> untuk upaya pulih bersama. Serta membangun ekonomi berkelanjutan, sehingga manfaatnya dirasakan bagi setiap lapisan masyarakat.<\/p>\n<p><em>Belinda Kosasih\/ Partner of Banking Business Services\/Vibiz Consulting<\/em><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>(Vibiznews \u2013 Banking &amp; Insurance) \u2013 Sesuai dengan perkembangan zaman yang serba teknologi maka fasilitas perbankan mulai bergeser kepada digitalisasi jika bank ingin tetap exist. Tidak heran perbankan semakin gencar menyalurkan kredit secara digital pada tahun ini. Bagaimana caranya menyalurkan kredit secara digital? Salah satunya dengan menggandeng perusahaan financial technology (fintech) lending. Melalui kerja sama [&hellip;]<\/p>\n","protected":false},"author":101013,"featured_media":486807,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[353,183],"tags":[12181,11133,13445],"class_list":["post-529228","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-insurance","category-technology","tag-fintech-lending","tag-game-changer","tag-skema-channeling"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Mengapa Bank Gencar Salurkan Kredit Secara Digital? - Vibiznews.com<\/title>\n<meta name=\"description\" content=\"digitalisasi jika bank ingin tetap exist. 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