Telah Teruji, Sejak 2005 BJB Fokus Tangani UMKM

Telah Teruji, Sejak 2005 BJB Fokus Tangani UMKM


PANGKALPINANG – Sebelum memiliki call name, Bank Jabar Banten tahun 2007 lalu, Bank Pembangunan Daerah (BPD) ini, telah meyalurkan kredit usaha mikro kecil dan menengah (UMKM) sejak 2005. Pada 2010 BPD merubah logo dan call name, menjadi BJB.

Pemimpin Wilayah II bjb, Dicky Syahbandinata mengatakan BJB mempunyai layanan “BJB sahabat usaha dan program penunjang produktifitas petani, peternak, nelayan, perdangan dan sektor real”.

Program perbankan mereka tidak jauh berbeda bank lainnya. Kelebihan BJB selain pembiayaan kredit, bagi usaha kecil menengah, peternak, petani dan nelayan. Pembiayaan juga diberikan lembaga keuangan mikro, bank perkreditan rakyat dan koperasi simpan pinjam.  “Permodalan lembaga keuangan mikro modalnya sampai 5 miliar,” ungkapnya, Selasa (13/6/17).

BJB berkonsentrasi pada kredit mikro, bagi usaha kecil menengah. Maka mereka pun mendorong lembaga keuangan, koperasi simpan pinjam dan perkreditan rakyat. BJB selama 12 tahun berpengalaman mendorong produktifitas dengan permodalan usah kecil menengah, sehingga menjadikan BJB punya nilai lebih. “Kita sudah sejak 2005 fokus mendorong produktifitas usaha mikro, kecil dan menengah,” terangnya.

Wilayah II BJB memiliki wilayah Jabodetabek, Batam, Medan, Palembang dan Pekan Baru. Meski Provinsi Kepulauan Bangka Belitung belum mendapatkan izin pendirian, namun Gubernur Babel Erzaldi Rosnam, telah memberi sinyal positif terhadap BJB di Babel. Maka sebelum izin OJK terbit penyaluran kridit pun belum  bisa dilakukan. “Sebelum kantor berdiri, kalau izin sudah ada bisa saja kita salurkan,” tambahnya.

Sebagai informasi, BJB mempunyai program kredit ketahanan pangan dan Energi, yakni BJB KKPE dan BJB Skema Subsidi Resi Gudang (SSRG), Debitur BJB KKPE kelompok tani dan nelayan, perkebunan, peternak dan pembudidaya. Para kelompok, gabungan kelompok tani dan koperasi petani lada serta karet bisa mendapatkan subsidi bunga dari pemerintah dengan jaminan resi gudang. “Kita masih menunggu OJK mengeluarkan izin, untuk beroperasi,” tambah Dicky.

Sementara itu fasilitas BJB sahabat usaha layanan UMKM adalah segmen pasar kredit perorangan atau Badan Usaha termasuk Koperasi. Dimana para pelaku usaha dalam sektor produktif dan pertambangan rakyat. Sehingga rakyat bisa memiliki permodalan untuk penunjang sektor UMKM seperti alat kerja dan penyaluran bahan bakar atau pupuk. Kredit Cinta Rakyat dan bjb Kredit Mikro adalah program kreditnya. (Syaf)


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