Distributed Products of People Business Financing, Bank Jatim Cooperation with BAZNAS of East Java
Date: 23 december 2015Categories :
PT. Bank Pembangunan Daerah Jawa Timur Tbk. (bankjatim) further develop products and services facilities in Islamic finance . This is realized by cooperating with the National Zakat Agency ( BAZNAS ) East Java Province of the People's Distribution Business Financing ( PUSYAR ) held at the Shangri - La Surabaya ( 22/12 ).
Products of PUSYAR is a product of synergy between several parties within the framework of the provision of financing capital reinforcement for UMKM of Mojokerto between the Sharia Rural Bank of Mojokerto, BAZNAS of Mojokerto, Department of Industry and Trade Cooperative ( Diskoperindag ) of Mojokerto & Islamic Economic’s Society ( MES ) Mojokerto.
Since first launched in 2012 ago by Sharia Rural Bank of Mojokerto, financing conditions in the Sharia Rural Bank product’s PUSYAR of Mojokerto is as follows :
|
YEAR |
BUDGET (IDR) |
CUSTOMER |
REALIZATION |
NPF |
|
2012 |
1,000,000,000.00 |
120 |
990,000,000.00 |
0% |
|
2013 |
1,000,000,000.00 |
117 |
968.300.000,00 |
0% |
|
2014 |
1,500,000,000.00 |
174 |
1,440,500,000.00 |
0% |
|
Juli 2015 |
3,000,000,000.00 |
65 |
994,000,000.00 |
0% |
On the achievements that have been achieved by Sharia Rural Bank of Mojokerto and related institutions in Mojokerto, OJK Regional Office 3 seeks to expand the product PUSYAR, not only to apply in Mojokerto, but also for the Sharia Rural Bank belongs to the local government in East Java, among which Sharia Rural Bank of Bhakti Sumekar Sumenep, Sharia Rural Bank of Sampang and Sharia Rural Bank of Magetan . In realizing this, OJK appoint bankjatim as coordinator of Sharia Rural Bank who will do PUSYAR product marketing.
Director of bankjatim R. Soeroso telling the potential that can be obtained with this cooperation, which is that now in every city in East Java has had BAZNAS organization each has its own managed fund based on revenue zakat each region.
“With this cooperation, Sharia bankjatim can manage funds in BAZNAS City. so that potentially increasing the acquisition of third party funds. In addition, there is potential for better distribution of funding to the Sharia Rural Bank status as members of the Association of Regional Bank Owned Se Indonesia ( PERBAMIDA ) and who are not members PERBAMIDA which will distribute the product PUSYAR "said R. Soeroso.
In the process, bankjatim will be able to provide financing of PUSYAR to customers with Murabahah, with total financing facilities and the costs that include principal financing, margin financing, insurance premiums and administrative costs .
In this case, a prospective customer of PUSYAR must be obtain recommendation form BAZNAS and DISKOPERINDAG before getting financing realization from Sharia Rural Bank. The financing provided by Sharia Rural Bank, the customer is only to pay principal financing, while the margin financing, insurance premiums, and administrative costs are subsidized from BAZNAS.
On the achievements that have been achieved by Sharia Rural Bank of Mojokerto and related institutions in Mojokerto, OJK Regional Office 3 seeks to expand the product PUSYAR, not only to apply in Mojokerto, but also for the Sharia Rural Bank belongs to the local government in East Java, among which Sharia Rural Bank of Bhakti Sumekar Sumenep, Sharia Rural Bank of Sampang and Sharia Rural Bank of Magetan . In realizing this, OJK appoint bankjatim as coordinator of Sharia Rural Bank who will do PUSYAR product marketing.