Dibanding Bank Umum,Bank Pengkredit

Dibanding Bank Umum,Bank Pengkreditan Rakyat mempunyai peran lebih penting khususnya membantu golongan ekonomi lemah dan kecil,Mengapa kredit macet di BPR relative rendah dibandingkan yang terjadi di bank umum?

Jawab :

Karena BPR memiliki segmen pasar tersendiri yang sebenarnya sulit dimasuki oleh bank umum,dilihat dari segi efisiensi usaha maupun rentang kendali dari bank umum. Dan juga BPR mempunyai peluang yang harus dipertahankan. Untuk memanfaatkan peluang tersebut perlu tindakan lanjut bagi BPR. seharusnya BPR bertindak meningkatkan profesionalisme menejemen BPR agar mampu mengelola BPR menjadi bank yang sehat secara konsisten dengan berlandaskan pada prinsip kehati-hatian,mencakup misi,sasaran,segmen pasar,organisasi,prosedur,pengawasan intern,prosedur pemberian kredit,resiko dan pemisahan secara tegas antara fungsi kepemilikan dan kepengurusan untuk menghindari pertentangan kepentingan.

Hasil (Inggris) 1:

Compared to commercial banks, the Bank Crediting the people have a more important role in particular helped the economy weak and small, Why bad credit in BPR relative low compared that occurs in public bank?Answer: Because it has its own market segment of BPR that is actually difficult to enter by a public bank, seen in terms of business efficiency as well as the range of control of the bank. And also the BPR have the opportunity to be grasped. To take advantage of the opportunities of further actions necessary for BPR. BPR should act increasing professionalism managed BPR BPR manages to be a consistently healthy bank with based on the principle of prudence, including mission, goals, segments of the market, organization, procedures, internal auditing, procedure for granting credit, risk and the separation between the functions expressly ownership and stewardship in order to avoid conflicts of interest.

Hasil (Inggris) 2:

Compared to commercial banks, rural credit banks have a more important role, especially help the economically weak and small, why the bad loans in the RB is relatively low compared to that occurred in commercial banks?

Answer:

Because the RB has its own market segment that is actually difficult to enter by commercial banks, in terms of business efficiency and control range from commercial banks. BPR and also have the opportunity to be grasped. To take advantage of these opportunities further necessary action for BPR. should BPR measures to raise the professionalism of management of rural banks to be able to manage BPR into a healthy bank consistently building on the precautionary principle, include the mission, objectives, market segments, organization, procedures, internal control, lending procedures, risk and strict separation between the ownership and management functions to avoid conflicts of interest.