Ada Pertanyaan? Hubungi Kami 
Ada Pertanyaan? Hubungi Kami ANT, Andin Aditya Rahman
Bank Indonesia (BI) has indicated that it has directed large banking institutions included in the BUKU 3 and 4 categories to disburse more productive credit.
This is an anticipation of welcoming competition from foreign banks entering Indonesia through the integration of the financial sector in the Southeast Asia region in 2020.
BUKU (Bank Umum berdasarkan Kegiatan Usaha) is a categorization system introduced by BI Regulation No. 14/26/PBI/2012,which divides banks in Indonesia into four categories based on their core capital.
BUKU 1 banks are banks with core capital of less than IDR 1 trillion, BUKU 2 are banks with core capital of at least IDR 1 trillion up to IDR 5 trillion. Above that, BUKU 3 banks are banks with core capital of at least IDR 5 trillion up to IDR 30 trillion, and BUKU 4 banks are banks with core capital of at least IDR 30 trillion.
Each BUKU category has productive credit disbursement levels calculated as a percentage of their overall credit disbursements.
The respective credit disbursement levels for each bank category are BUKU 1 banks 55 percent, BUKU 2 banks 60 percent, BUKU 3 banks 65 percent, and BUKU 4 banks70 percent.
“In 2020, not just any bank may open here. I predict only big banks will do so. And as of today, the big banks in the capital category of BUKU 3 and 4 have been directed to disburse more productive credit,” stated Difi Ahmad Johansyah, Executive Director of BI’s Communications Department during a seminar on the multiple licensing for banks policy in Bandung last Saturday.
Difi explained that in 2020, the Qualified ASEAN Bank (QAB) phase will be in place under which only banks satisfyingcertain criteria will be able to expand in the Southeast Asian region.
“However, QAB is not yet implemented.Wewill try to protect local banks from such banking liberalization,” he asserted.
In the same seminar, Aviliani, Secretary of the National Economic Committee (Komite Ekonomi Nasional – KEN), stated that BI should not force banks into disbursing a certain percentage of their productive credit as this will affect the quality of loans.
“Credit to the productive sector should not be set at a certain percentage. The reason is because if this is determined by a number, i disbursements will become poor in quality,” she asserted.
Aviliani explained that the trend in developing countries is a consistent increase in consumptive credit in line with a developing middle class.
Inevitably, this will increase the total percentage of consumptive credit disbursements, which will then force banks to rush into achieving their obligated targets for productive credit disbursements.
“As a consequence, productive credit disbursements will becomes a mere target and sacrifice quality,” further explained Aviliani.
Aviliani suggested that BI implements an incentive and disincentive scheme under which banks that succeed in fulfilling their target are given certain incentives, such as alleviating their compulsory minimum reserve (Giro Wajib Minimum – GWM) obligation.
“Therefore don’t force it and impose sanctions. Doing so will result in poor quality disbursements. It is better that those that fail to reach their respective target be required to pay more for their GWM obligation,” concluded Aviliani.
(hot/kc)
ANT, Andin Aditya Rahman
Bank Indonesia (BI) has indicated that it has directed large banking institutions included in the BUKU 3 and 4 categories to disburse more productive credit.
This is an anticipation of welcoming competition from foreign banks entering Indonesia through the integration of the financial sector in the Southeast Asia region in 2020.
BUKU (Bank Umum berdasarkan Kegiatan Usaha) is a categorization system introduced by BI Regulation No. 14/26/PBI/2012,which divides banks in Indonesia into four categories based on their core capital.
BUKU 1 banks are banks with core capital of less than IDR 1 trillion, BUKU 2 are banks with core capital of at least IDR 1 trillion up to IDR 5 trillion. Above that, BUKU 3 banks are banks with core capital of at least IDR 5 trillion up to IDR 30 trillion, and BUKU 4 banks are banks with core capital of at least IDR 30 trillion.
Each BUKU category has productive credit disbursement levels calculated as a percentage of their overall credit disbursements.
The respective credit disbursement levels for each bank category are BUKU 1 banks 55 percent, BUKU 2 banks 60 percent, BUKU 3 banks 65 percent, and BUKU 4 banks70 percent.
“In 2020, not just any bank may open here. I predict only big banks will do so. And as of today, the big banks in the capital category of BUKU 3 and 4 have been directed to disburse more productive credit,” stated Difi Ahmad Johansyah, Executive Director of BI’s Communications Department during a seminar on the multiple licensing for banks policy in Bandung last Saturday.
Difi explained that in 2020, the Qualified ASEAN Bank (QAB) phase will be in place under which only banks satisfyingcertain criteria will be able to expand in the Southeast Asian region.
“However, QAB is not yet implemented.Wewill try to protect local banks from such banking liberalization,” he asserted.
In the same seminar, Aviliani, Secretary of the National Economic Committee (Komite Ekonomi Nasional – KEN), stated that BI should not force banks into disbursing a certain percentage of their productive credit as this will affect the quality of loans.
“Credit to the productive sector should not be set at a certain percentage. The reason is because if this is determined by a number, i disbursements will become poor in quality,” she asserted.
Aviliani explained that the trend in developing countries is a consistent increase in consumptive credit in line with a developing middle class.
Inevitably, this will increase the total percentage of consumptive credit disbursements, which will then force banks to rush into achieving their obligated targets for productive credit disbursements.
“As a consequence, productive credit disbursements will becomes a mere target and sacrifice quality,” further explained Aviliani.
Aviliani suggested that BI implements an incentive and disincentive scheme under which banks that succeed in fulfilling their target are given certain incentives, such as alleviating their compulsory minimum reserve (Giro Wajib Minimum – GWM) obligation.
“Therefore don’t force it and impose sanctions. Doing so will result in poor quality disbursements. It is better that those that fail to reach their respective target be required to pay more for their GWM obligation,” concluded Aviliani.
(hot/kc)