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    Building a Regional Economy, bank bjb Records Positive Growth in Micro Credit


    JAKARTA - Bank BJB's commitment as an agent of development continues to increase, this can be seen from the increase in the distribution of microcredit which successfully grew 11.1% or reached Rp.5.5 trillion.

    In its role as a development bank, bank bjb continues to support Government programs including encouraging financing of MSMEs. As is known, the economy in West Java Province is supported by one of them by the increase in the MSME sector.

    The increase in credit growth in the MSME sector was successfully carried out through several strategies, including the One Village One Company (OVOC) program by empowering Village-Owned Enterprises (BUMDes) including increasing banking access in rural communities through Laku Pandai services, partnership programs in channeling People's Business Loans, strengthen synergy through collaboration with BPRs and Microfinance Institutions and other programs that can encourage the growth of the MSME sector.

    Overall, total credit channeled by bank bjb was recorded at Rp75.8 trillion and managed to grow by 6.2%, where credit quality was maintained with a ratio of non-performing loans (NPL) at 1.68% better than the average NPL ratio -The average banking industry is 2.59%.

    In addition to the MSME sector, bank bjb also supports regional and national economic development through financing the infrastructure sector which is in line with the Government's target to prioritize the two sectors. Bank Bjb also prioritizes national scale projects such as toll road construction, new port construction projects, drinking water supply projects and dam construction projects and irrigation networks located in West Java and Banten.

    To accelerate this, the bank bjb collaborated with other BUMDs in the West Java and Banten regions so that Government programs could be realized immediately.

    "In terms of fund raising, we managed to raise Third Party Funds (TPF) of Rp. 90.2 trillion which were driven by growth in savings of 8.8%, so that the CASA ratio rose from 46.3% to 48.8%. In the first quarter of 2019 the bank bjb recorded a net profit of Rp 421 billion with total assets of Rp 117.7 trillion. "

    This was disclosed by Agus Mulyana as Director of Compliance and Risk Management who carried out the duties of the President Director when announcing the Company's financial performance in the First Quarter of 2019 at the Ritz Carlton Ballroom at Pacific Place, Friday (4/26/19).

    Agus further revealed that "we are determined to always improve and maintain the performance of the company and always be ready to provide the best service for customers and help build the regional economy" he said.

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