{"id":569630,"date":"2024-08-29T15:01:38","date_gmt":"2024-08-29T08:01:38","guid":{"rendered":"https:\/\/vibiznews.com\/?p=569630"},"modified":"2024-08-29T15:01:38","modified_gmt":"2024-08-29T08:01:38","slug":"bri-sesuaikan-strategi-penyaluran-kredit-di-era-bunga-tinggi","status":"publish","type":"post","link":"https:\/\/vibiznews.com\/index.php\/2024\/08\/29\/bri-sesuaikan-strategi-penyaluran-kredit-di-era-bunga-tinggi\/","title":{"rendered":"BRI Sesuaikan Strategi Penyaluran Kredit di Era Bunga Tinggi"},"content":{"rendered":"<p>&nbsp;<\/p>\n<p style=\"text-align: justify;\">(Vibiznews \u2013 Banking &amp; Insurance) \u2013 PT Bank Rakyat Indonesia (Persero) Tbk (BBRI) telah menyesuaikan strategi untuk menghadapi kondisi <em>&#8216;higher for longer&#8217;<\/em> yang dirasakan saat ini. Hal ini dilakukan meski ada harapan pelonggaran suku bunga The Fed di semester kedua tahun 2024.<\/p>\n<p>Apa saja strategi BRI hadapi kondisi <em>higher for longer\u00a0<\/em><\/p>\n<h5 style=\"text-align: justify;\">Direktur Utama BRI Sunarso mengatakan saat ini pihaknya mulai mengurangi kredit pembiayaan ke sektor mikro. Juga memperbaiki aset di segmen tersebut yang cenderung memburuk.<\/h5>\n<p style=\"text-align: justify;\">Bila aset tersebut tidak dapat diselamatkan, pihaknya akan melaksanakan hapus buku dari pembiayaan bermasalah ini.<\/p>\n<p style=\"text-align: justify;\">Sebagaimana diketahui, segmen UMKM mendominasi 81,69% dari total kredit BRI. Tentu saja sentimen suku bunga The Fed yang saat ini masih setia di level 5,25%-5,5% sangat memengaruhi laju pertumbuhan kreditnya.<\/p>\n<p style=\"text-align: justify;\">&#8220;Tahun lalu, kami menghapus pembukuan sebesar Rp 32 triliun tanpa mengganggu permodalan. Saat ini, aset yang dihapus dari pembukuan itu sedang kami tagih kembali dan kami tampung sebagai recovery,&#8221; jelas Sunarso. Yang disampaikan dalam Public Expose Live, Kamis, (29\/8\/2024).<\/p>\n<h5 style=\"text-align: justify;\">Selain itu, strategi lainnya adalah meningkatkan digitalisasi secara bertahap. Namun, hal ini dianggap tak mudah, karena banyak segmentasi pasar BRI di desa-desa yang belum melek teknologi.<\/h5>\n<p style=\"text-align: justify;\">&#8220;Oleh karena itu, kami memulai dengan <em>hybrid banking<\/em> melalui agen BRILink. Kami membagikan layanan di warung-warung agen BRILink. Hubungan antara warung dengan BRI itu digital, tetapi hubungan antara warung dengan nasabah masih <em>offline<\/em>,&#8221; tuturnya.<\/p>\n<p style=\"text-align: justify;\">Terakhir, BRI juga akan melakukan diversifikasi segmen penyaluran kredit ke sektor korporasi. Menurutnya, perkembangan teknologi membuat jejaring antara <em>end-user<\/em> dan korporasi semakin masif, sehingga, pihaknya tidak bisa hanya bergantung ke sektor mikro.<\/p>\n<h5 style=\"text-align: justify;\">&#8220;Sudah saatnya BRI tidak lagi berbisnis di satu segmen saja. Kami harus melayani dari mikro hingga korporat, namun porsinya tetap kami jaga,&#8221; pungkas Sunarso.<\/h5>\n<p style=\"text-align: justify;\">Hal ini tergambar pada nilai penyaluran kredit BRI pada semester 1-2024 yang ditopang oleh segmen korporasi. Secara keseluruhan Kredit yang disalurkan mencapai Rp1.336,78 triliun, tumbuh 11,20% secara tahunan <em>(year on year\/yoy)<\/em>.<\/p>\n<p style=\"text-align: justify;\">Penyaluran kredit ekspansif ini ditopang oleh semua segmen bisnis yang tumbuh positif.<br \/>\nPertumbuhan paling tinggi dicetak segmen korporasi hingga 29,2% yoy. Hal ini diikuti segmen menengah 31,6% yoy dan konsumer 11,5% yoy. Lalu ada segmen usaha mikro dan kecil, masing-masing tumbuh 7,8% yoy dan 2% yoy.<\/p>\n<p style=\"text-align: justify;\">Namun, jika dilihat dari segi porsi, gabungan segmen usaha mikro, kecil, dan menengah (UMKM) masih mendominasi portofolio kredit bank BRI. Angkanya mencapai Rp1.095,64 triliun, atau setara 81,69% dari total penyaluran kredit sepanjang semester I\/2024.<\/p>\n<p style=\"text-align: justify;\">Sejalan dengan momentum penyaluran kredit yang positif, bank BRI juga menjaga kualitas aset di tengah pembengkakan angka gagal bayar pada UMKM. Ini terbukti dari Non Performing Loan (NPL) Gross yang berada di angka 3,05% pada sepanjang enam bulan pertama tahun ini.<\/p>\n<p><em>Belinda Kosasih\/ Partner of Banking Business Services\/Vibiz Consulting<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; (Vibiznews \u2013 Banking &amp; Insurance) \u2013 PT Bank Rakyat Indonesia (Persero) Tbk (BBRI) telah menyesuaikan strategi untuk menghadapi kondisi &#8216;higher for longer&#8217; yang dirasakan saat ini. Hal ini dilakukan meski ada harapan pelonggaran suku bunga The Fed di semester kedua tahun 2024. Apa saja strategi BRI hadapi kondisi higher for longer\u00a0 Direktur Utama BRI [&hellip;]<\/p>\n","protected":false},"author":101013,"featured_media":543529,"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],"tags":[14727,11373],"class_list":["post-569630","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-insurance","tag-higher-for-longer","tag-bri"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>BRI Sesuaikan Strategi Penyaluran Kredit di Era Bunga Tinggi - Vibiznews.com<\/title>\n<meta name=\"description\" content=\"PT Bank Rakyat Indonesia (Persero) Tbk (BBRI) telah menyesuaikan strategi untuk menghadapi kondisi &#039;higher for longer&#039; yang dirasakan saat\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/vibiznews.com\/index.php\/2024\/08\/29\/bri-sesuaikan-strategi-penyaluran-kredit-di-era-bunga-tinggi\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"BRI Sesuaikan Strategi Penyaluran Kredit di Era Bunga Tinggi - 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