Memperluas Akses Penyaluran Kredit UMKM

IDXchannel

Kementerian Koperasi dan UKM terus mendorong usulan, penerapan innovative credit scoring (ICS). Langkah ini untuk memperluas akses penyaluran kredit bagi UMKM, dengan tetap menjaga tingkat rasio kredit macet.

Transcript

00:00The Ministry of Corporate Affairs and the Ministry of Home Affairs continue to push for the implementation of Innovative Credit Scoring, or ICS.

00:13This step is to expand access to credit distribution for MSMEs while maintaining a high credit margin ratio.

00:20Implementation of Innovative Credit Scoring aims to expand access to credit distribution for MSMEs.

00:27The Ministry of Corporate Affairs and the Ministry of Home Affairs stated,

00:31based on the pilot project carried out by the Ministry by using 72,004 productive credit data,

00:38the result is an increase of 5% in the level of credit agreement,

00:42while the level of NPL is still maintained at the same level as conventional data scoring,

00:48which is between 0.6% and 0.7%.

00:52Thus, according to Julius, financial institutions can increase the level of credit distribution with a stable risk level

00:58without having to worry about using credit scoring or an assessment system

01:02to assess the ability of an individual to pay their loan obligations,

01:06which is carried out by a credit assessment institution.

01:10We propose the use of Innovative Credit Scoring.

01:15What does it mean?

01:18Innovative Credit Scoring is an assessment system to assess the ability of an individual

01:23to pay their loan obligations, which is carried out by a credit assessment institution,

01:27and new things in the field of credit.

01:31In the beginning, credit assessment or credit scoring only uses conventional data,

01:40such as identity data, bureau data, credit, and balance sheet data.

01:46However, in its development, the data is not enough to be used as an assessment.

01:52Because there are still MSMEs who are actually eligible,

01:56but do not receive credit or are not caught.

Category

Transcript

Be the first to comment

Recommended