00:00The model of PTPTN loan financing is dependent on the return payment as the main source.
00:07Funds circulate to ensure the balance of financing for the benefit of the borrower in the future.
00:15Any need or lack of funds for the purpose of PTPTN loan financing
00:20will be covered by funding through loans from local financial institutions
00:26or through the issuance of interest with employment guarantee.
00:31For your information,
00:33PTPTN has suspended the act of strengthening the return payment authority
00:39as well as restricting travel to non-payment borrowers since June 2018.
00:47Nevertheless, from time to time,
00:50PTPTN has taken steps to remind borrowers about the suspension of the return payment
00:58and their responsibility to make the return payment.
01:03In addition, PTPTN has also taken steps to provide certain incentives
01:08to encourage borrowers to make a return payment,
01:12such as allowing borrowers to make a restructuring
01:15or rescheduling of the repayment of loans according to their abilities.
01:23Currently, the Ministry and PTPTN are working closely with the Ministry of Finance
01:32to study and propose a more efficient and reliable new PTPTN financing model
01:40for the long term for the cost of state education.
02:10I have a lot of commitments, such as renting a house, buying a car,
02:20saving money for my wedding, and many other commitments.
02:25So, to sum up,
02:27what are the steps that the government is considering
02:31to help them repay their loans in the midst of an increasing cost of living,
02:38especially at this time?
02:41Thank you, Mr. Jempol, for the additional questions.
02:46For your information, this is no longer a priority for the government,
02:50especially the Ministry,
02:52to help our constituents to ensure that they can pay regularly.
03:01We are also considering how they can repay this loan.
03:08For example, the PTPTN borrowers are given a grace period of 12 months
03:14after they have completed their studies
03:16before they are required to start repaying their loans.
03:20After 12 months, if the borrower has not yet obtained a job or income,
03:27the borrower can make a request
03:29to postpone repaying their loans for up to a maximum of 2 years.
03:36If the borrower chooses to continue their studies,
03:40they are allowed to continue their studies to a higher level.
03:47The borrower is also allowed to postpone repaying their loans
03:51after they have completed their studies.
03:56And also, how can a borrower who has a job and income
04:01but is facing difficulties
04:03or unable to repay their loans,
04:05according to the schedule set by the PTPTN,
04:08to provide a brokerage network
04:10where the borrower can structure and schedule the repayment,
04:14as I mentioned earlier.
04:18So, the current mechanism is to provide as much space as possible
04:26for the borrower to structure their repayment schedule
04:31according to their capacity.
04:34My additional question is,
04:36does the KPT have a plan
04:39to re-study the need for repayment of PTPTN loans
04:45targeting the poor and B40 households,
04:49as promised earlier?
04:52And is there any action that will be taken
04:54by a failure borrower to repay their loans,
04:59such as asking for a new loan,
05:01credit card easiness,
05:03or buying a vehicle, and so on?
05:05Is there no political will from the ministry
05:09to remove Kira,
05:11as was done to the 83 million that were allocated to the North University?
05:18That's all.
05:19I think the PTPTN issue has been an issue for quite some time,
05:24and all parties have put it in their own manifestos,
05:29including the parties here and there.
05:32However, in the current situation,
05:35it is indeed quite difficult for us to remove it
05:41with such a big commitment.
05:46And we also have to think about it.
05:49If we want to remove those who haven't paid yet,
05:53we also have to think about those who have already paid.
05:56So, the commitment is more or less, if I'm not mistaken,
06:00in the 76 billion that have already been paid.
06:05So, we need this fund to roll it out,
06:09to finance the education of the students after this.
06:15So, so far, the Ministry of Labor is still
06:21As I said earlier, we are studying the best model of financing
06:28according to the performance of state finance.
06:31That's all. Thank you.
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