tag:blogger.com,1999:blog-21331237329056410442024-03-26T17:03:17.492+08:00BANK, KREDIT DAN UKMCatatan singkat membuat Proposal Kredit, memilih Bank, proses kredit Bank, bila kredit kita macet dll.Yusuf Arif Setiawanhttp://www.blogger.com/profile/11644313448106640269noreply@blogger.comBlogger46125tag:blogger.com,1999:blog-2133123732905641044.post-83042025312551524992011-10-17T23:44:00.003+08:002011-10-18T10:11:17.402+08:00Membeli rumah dengan KPR Bank<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;">Sudahkah anda memiliki rumah? masih mengontrak? atau masih tinggal dengan orang tua atau mertua? Sebenarnya sah-sah saja kalau anda belum memiliki rumah idaman. Nasib anda tidaklah terhitung malang, karena jutaan orang masih banyak yang belum mempunyai rumah atau memikirkan untuk berani memiliki rumah. Wajar saja harga rumah memang masih mahal, sedangkan gaji kita hanya cukup untuk makan saja plus kebutuhan standar lainnya. Lalu bagaimana solusinya?</span><br />
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<div style="text-align: justify;">
<span style="background-color: transparent; font-family: Verdana, sans-serif;">Membeli rumah dengan KPR ! Kredit Kepemilikan Rumah. Semudah itukah solusinya? tentunya tidak. Mengapa? Karena sebelum kita memutuskan untuk membeli rumah dengan fasilitas KPR Bank, kita perlu mengkalkulasikan biaya apa saja yang harus dipersiapkan, selain kemampuan angsuran bulanan yang sudah kita perhitungkan terlebih dahulu.</span></div>
<div style="text-align: justify;">
<span style="background-color: transparent; font-family: Verdana, sans-serif;">Berikut beberapa hal yang perlu kita persiapkan :</span></div>
<ol>
<li style="text-align: justify;"><span style="font-family: Verdana, sans-serif;">Uang Tanda Jadi, biasanya bila kita akan membeli rumah lewat pengembang kita diminta untuk menyerahkan uang tanda jadi sebagai bukti kita telah memesan. Uang tersebut sebagai bukti keseriusan kita akan komit segera membayarkan uang muka rumah sesuai yang dipersyaratkan pengembang. Uang Tanda Jadi berpotensi hangus atau hilang bila waktu yang dipersyaratkan untuk menyerahkan Uang Muka rumah tidak kita realisasikan sesuai kesepakatan dengan pengembang.</span></li>
<li style="text-align: justify;"><span style="font-family: Verdana, sans-serif;">Uang Muka (Down Payment /DP), uang muka ini biasanya dipersyaratkan oleh pihak pengembang. Besaran uang muka ini besarannya sangat relatif, namun umumnya antara 10% sampai 20%. Artinya Bank nantinya akan memberikan nilai kreditnya sebesar kekurangannya atau 90% dari harga jual rumah.</span></li>
<li style="text-align: justify;"><span style="font-family: Verdana, sans-serif;">Bea Perolehan Hak Atas Tanah dan Bangunan (BPHTB). Sesuai dengan pasala 5 UU Nomor 21/1997, tarif pajak BPHTB adalah 5% dari nilai perolehan objek kena pajak (NPOKP). NPOKP adalah nilai Perolehan Objek Pajak (NPOP) dikurangi dengan nilai Perolehan Tidak Kena Pajak (NPOPTKP).</span></li>
<li style="text-align: justify;"><span style="font-family: Verdana, sans-serif;">Akta Jual Beli (AJB). AJB diperlukan ketika proses mengurus Sertifikat. AJB merupakan bukti autentik secara hukum bahwa kita telah membeli tanah atau bangunan secara lunas.</span></li>
<li style="text-align: justify;"><span style="font-family: Verdana, sans-serif;">Bea Balik Nama (BBN). Biaya ini untuk proses balik nama sertifikat properti dari penjual ke pembeli. Untuk rumah yang dibeli dari pengembang, BBN biasanya sudah diurus oleh pengembang dan kita tinggal membayarnya saja.</span></li>
<li style="text-align: justify;"><span style="font-family: Verdana, sans-serif;">Provisi. Saat membeli rumah dengan KPR, kita akan dikenai biaya provisi oleh Bank. Biasanya sekitar 1% namun terkadang tergantung ketentuan bank tersebut.</span></li>
<li style="text-align: justify;"><span style="font-family: Verdana, sans-serif;">Asuransi. Selama belum lunas, rumah dengan kata lain masih menjadi milik bank. Untuk itu bank ingin rumahnya aman dari kebakaran dan bank ingin angsuran kita tetap lancar. Untuk itu Asuransi Kebakaran dan Asuransi Kredit Jiwa wajib kita siapkan biaya preminya.</span></li>
<li style="text-align: justify;"><span style="font-family: Verdana, sans-serif;">Akta Pemebrian Hak Tanggungan (APHT). Akta ini adalah pemasangan sementara kepemilikan bank atas nama kepemilikan properti kita. APHT akan berakhir ketika kita telah memohon kepada Badan Pertanahan Negara, untuk melepaskan kepemilikan Bank sehubungan dengan telah lunasnya hutang kita terhadap bank. Surat Bukti Lunas dan Surat Roya, merupakan dokumen yang kita bawa ke BPN bila kita akan melepaskan APHT.</span></li>
<li><span style="font-family: Verdana, sans-serif;">Biaya Materai, biaya administrasi dan biaya pijat hehehe...</span></li>
</ol>
<div>
<span style="font-family: Verdana, sans-serif;">Demikian saudara-saudara. Silahkan berhitung. Sudah bisakah kita melangkah ke Bank? KPR oh KPR....</span><br />
<span style="font-family: Verdana, sans-serif;"><br /></span></div>
<div>
<span style="background-color: transparent;"><span style="font-family: Verdana, sans-serif;">NB : Kalau tidak salah BNI Syariah, pada saat tulisan ini ditulis mereka sedang promo KPR. Uang Muka 10%, angsuran tetap, tanpa biaya provisi, biaya administrasi dan biaya taksasi. Promo sampai akhir tahun begitu katanya.</span></span></div>Yusuf Arif Setiawanhttp://www.blogger.com/profile/11644313448106640269noreply@blogger.com41tag:blogger.com,1999:blog-2133123732905641044.post-48050002122582980092011-09-29T05:25:00.001+08:002011-09-29T05:32:14.235+08:00Kredit Usaha Rakyat Bank Syariah Mandiri<br />
<div class="MsoNormal" style="margin-left: 21.3pt; text-indent: -21.85pt;">
<b><span lang="EN-US" style="font-family: "Cooper Std Black","serif"; font-size: 12.0pt;">Skim Kredit Usaha Rakyat PT. BANK
SYARIAH MANDIRI <o:p></o:p></span></b></div>
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<b><span lang="EN-US" style="font-family: "Bodoni MT Black","serif";">I. KREDIT MIKRO MELALUI WARUNG
MIKRO<o:p></o:p></span></b></div>
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<br /></div>
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<!--[if !supportLists]--><b><span lang="EN-US" style="color: #00b050; font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">A.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="font-family: "Frutiger 45 Light";">JENIS/TUJUAN PENGGUNAAN
KREDIT :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 21.3pt; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Modal Kerja dan Investasi<o:p></o:p></span></div>
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<!--[if !supportLists]--><b><span lang="EN-US" style="color: #00b050; font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">B.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="font-family: "Frutiger 45 Light";">POLA/FASILITAS :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 21.3pt; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Penjaminan dari Lembaga Penjamin dengan premi/imbalan jasa
penjaminan (UP) dibayarkan oleh pemerintah dengan menggunakan dana APBN<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 21.3pt; mso-add-space: auto; mso-list: l6 level1 lfo1; text-indent: -21.85pt;">
<!--[if !supportLists]--><b><span lang="EN-US" style="color: #00b050; font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">C.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">KRITERIA
DAN PERSYARATAN CALON DEBITUR :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 42.55pt; text-indent: -21.25pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">1.<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Tidak sedang menerima kredit
atau pembiayaan modal kerja atau investasi dari perbankan maupun program
pemerintah yang dibuktikan dengan SID Bank Indonesia<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 42.55pt; text-indent: -21.25pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">2.<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Dapat sedang menerima
kredit/pembiayaan konsumtif (Kredit Pemilikan Rumah, Kredit Pemilikan Kendaraan
Bermotor, Kartu Kredit dan Kredit Konsumtif lainnya)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 21.3pt; mso-add-space: auto; mso-list: l6 level1 lfo1; text-indent: -21.85pt;">
<!--[if !supportLists]--><b><span lang="EN-US" style="color: #00b050; font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">D.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="font-family: "Frutiger 45 Light";">PLAFOND :<o:p></o:p></span></b></div>
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<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Maksimum Rp.20 juta<o:p></o:p></span></div>
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<!--[if !supportLists]--><b><span lang="EN-US" style="color: #00b050; font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">E.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="font-family: "Frutiger 45 Light";">JANGKA WAKTU :<o:p></o:p></span></b></div>
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<!--[if !supportLists]--><span lang="EN-US" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;">l<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Modal Kerja : maks. 3 tahun, dapat diperpanjang maks.
6 tahun<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 42.55pt; text-indent: -21.25pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;">l<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Investasi : maks. 5 tahun, dapat
diperpanjang maks. 10 tahun<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 21.3pt; mso-add-space: auto; mso-list: l6 level1 lfo1; text-indent: -21.85pt;">
<!--[if !supportLists]--><b><span lang="EN-US" style="color: #00b050; font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">F.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="font-family: "Frutiger 45 Light";">MARGIN/BAGI HASIL :<o:p></o:p></span></b></div>
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<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Equivalen atau setara dengan margin 22% efektif p.a.<o:p></o:p></span></div>
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<!--[if !supportLists]--><b><span lang="EN-US" style="color: #00b050; font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">G.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="font-family: "Frutiger 45 Light";">SEKTOR :<o:p></o:p></span></b></div>
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<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Semua sektor industri yang tidak bertentangan dengan
prinsip syariah dan rating sektor ekonomi pembiayaan BSM<o:p></o:p></span></div>
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<!--[if !supportLists]--><b><span lang="EN-US" style="color: #00b050; font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">H.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="font-family: "Frutiger 45 Light";">DENDA/PENALTY :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 21.3pt; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">0.000695 x jumlah tunggakan kewajiban x jumlah hari
keterlambatan<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 21.3pt; mso-add-space: auto; mso-list: l6 level1 lfo1; text-indent: -21.85pt;">
<!--[if !supportLists]--><b><span lang="EN-US" style="color: #00b050; font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">I.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="font-family: "Frutiger 45 Light";">BIAYA-BIAYA :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 49.65pt; text-indent: -10mm;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">1.<span style="font: 7.0pt "Times New Roman";">
</span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Biaya
administrasi 1% dari pembiayaan<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 49.65pt; text-indent: -10mm;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">2.<span style="font: 7.0pt "Times New Roman";">
</span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Biaya
materai<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 49.65pt; text-indent: -10mm;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">3.<span style="font: 7.0pt "Times New Roman";">
</span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Biaya
Notaris<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 21.3pt; mso-add-space: auto; mso-list: l6 level1 lfo1; text-indent: -21.85pt;">
<!--[if !supportLists]--><b><span lang="EN-US" style="color: #00b050; font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">J.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="font-family: "Frutiger 45 Light";">NILAI PENJAMINAN :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 49.65pt; text-indent: -10mm;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">1.<span style="font: 7.0pt "Times New Roman";">
</span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">80%
dari plafond pembiayaan untuk sektor hulu pertanian, kelautan dan perikanan,
kehutanan, industri kecil dan TKI<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 49.65pt; text-indent: -10mm;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">2.<span style="font: 7.0pt "Times New Roman";">
</span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">70%
dari plafond pembiayaan untuk sector lainnya (untuk sisa agunan sesuai
ketentuan BSM)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 21.3pt; mso-add-space: auto; mso-list: l6 level1 lfo1; text-indent: -21.85pt;">
<!--[if !supportLists]--><b><span lang="EN-US" style="color: #00b050; font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">K.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="font-family: "Frutiger 45 Light";">ASURANSI JIWA :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 21.3pt; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Diwajibkan<o:p></o:p></span></div>
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<br /></div>
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<b><span lang="EN-US" style="font-family: "Bodoni MT Black","serif";">II.KUR BARAKAH<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 115%; margin-left: 21.3pt; mso-add-space: auto; mso-list: l5 level1 lfo2; text-indent: -21.85pt;">
<!--[if !supportLists]--><b><span lang="EN-US" style="color: #00b050; font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">A.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="font-family: "Frutiger 45 Light";">JENIS/TUJUAN PENGGUNAAN</span></b><span lang="EN-US" style="font-family: "Frutiger 45 Light";"> :<b><o:p></o:p></b></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 21.3pt; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Untuk pembiayaan investasi dan/atau modal kerja pada sektor
pertanian, industri, perdagangan, jasa, perikanan dan sektor lainnya<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 21.3pt; mso-add-space: auto; mso-list: l5 level1 lfo2; text-indent: -21.85pt;">
<!--[if !supportLists]--><b><span lang="EN-US" style="color: #00b050; font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">B.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="font-family: "Frutiger 45 Light";">POLA/FASILITAS :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 21.3pt; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Penjaminan dari lembaga penjamin dengan premi/imbalan jasa
penjaminan (UP) dibayarkan oleh pemerintah dengan menggunakan dana APBN<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 21.3pt; mso-add-space: auto; mso-list: l5 level1 lfo2; text-indent: -21.85pt;">
<!--[if !supportLists]--><b><span lang="EN-US" style="color: #00b050; font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">C.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="font-family: "Frutiger 45 Light";">KRITERIA DAN PERSYARATAN
CALON DEBITUR :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 42.55pt; text-indent: -21.25pt;">
<!--[if !supportLists]--><b><span lang="EN-US" style="font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Tidak
sedang menerima kredit atau pembiayaan modal kerja atau investasi dari
perbankan maupun program pemerintah yang dibuktikan dengan SID Bank Indonesia<b><o:p></o:p></b></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 42.55pt; text-indent: -21.25pt;">
<!--[if !supportLists]--><b><span lang="EN-US" style="font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Dapat
sedang menerima kredit/pembiayaan konsumtif (Kredit Pemilikan Rumah, Kredit
Pemilikan Kendaraan Bermotor, Kartu Kredit dan kredit konsumtif lainnya)<b><o:p></o:p></b></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 42.55pt; text-indent: -21.25pt;">
<!--[if !supportLists]--><b><span lang="EN-US" style="font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Pembiayaan
diberikan berdasarkan norma-norma pembiayaan yang sehat dan berlaku umum<b><o:p></o:p></b></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 42.55pt; text-indent: -21.25pt;">
<!--[if !supportLists]--><b><span lang="EN-US" style="font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">4.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Pembiayaan
yang diberikan sesuai dengan sistem, prosedur dan syarat-syarat umum pemberian,
pengelolaan serta pengawasan pembiayaan yang berlaku pada penerima jaminan<b><o:p></o:p></b></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 21.3pt; mso-add-space: auto; mso-list: l5 level1 lfo2; text-indent: -21.85pt;">
<!--[if !supportLists]--><b><span lang="EN-US" style="color: #00b050; font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">D.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="font-family: "Frutiger 45 Light";">PLAFOND :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 21.3pt; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Maksimum Rp.500 juta<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 21.3pt; mso-add-space: auto; mso-list: l5 level1 lfo2; text-indent: -21.85pt;">
<!--[if !supportLists]--><b><span lang="EN-US" style="color: #00b050; font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">E.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="font-family: "Frutiger 45 Light";">JANGKA WAKTU :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 42.55pt; text-indent: -20.4pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;">l<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Modal Kerja : maksimal 3 tahun<b><o:p></o:p></b></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 42.55pt; text-indent: -20.4pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;">l<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Investasi : maksimal 5 tahun<b><o:p></o:p></b></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 21.3pt; mso-add-space: auto; mso-list: l5 level1 lfo2; text-indent: -21.85pt;">
<!--[if !supportLists]--><b><span lang="EN-US" style="color: #00b050; font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">F.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="font-family: "Frutiger 45 Light";">MARGIN/BAGI HASIL :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 21.3pt; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Equivalen atau setara dengan margin 14% efektif p.a.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 21.3pt; mso-add-space: auto; mso-list: l5 level1 lfo2; text-indent: -21.85pt;">
<!--[if !supportLists]--><b><span lang="EN-US" style="color: #00b050; font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">G.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="font-family: "Frutiger 45 Light";">SEKTOR :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 21.3pt; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Semua sektor industri yang tidak bertentangan dengan
prinsip syariah dan rating sektor ekonomi pembiayaan BSM<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 21.3pt; mso-add-space: auto; mso-list: l5 level1 lfo2; text-indent: -21.85pt;">
<!--[if !supportLists]--><b><span lang="EN-US" style="color: #00b050; font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">H.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="font-family: "Frutiger 45 Light";">DENDA/PENALTY :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 21.3pt; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">0.000695 x jumlah tunggakan kewajiban x jumlah hari keterlambatan<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 21.3pt; mso-add-space: auto; mso-list: l5 level1 lfo2; text-indent: -21.85pt;">
<!--[if !supportLists]--><b><span lang="EN-US" style="color: #00b050; font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">I.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="font-family: "Frutiger 45 Light";">BIAYA-BIAYA :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 35.45pt; text-indent: -14.15pt;">
<!--[if !supportLists]--><b><span lang="EN-US" style="font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Biaya
administrasi 1% dari pembiayaan<b><o:p></o:p></b></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 35.45pt; text-indent: -14.15pt;">
<!--[if !supportLists]--><b><span lang="EN-US" style="font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Biaya
materai<b><o:p></o:p></b></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 35.45pt; text-indent: -14.15pt;">
<!--[if !supportLists]--><b><span lang="EN-US" style="font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Biaya
notaries<b><o:p></o:p></b></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 21.3pt; mso-add-space: auto; mso-list: l5 level1 lfo2; text-indent: -21.85pt;">
<!--[if !supportLists]--><b><span lang="EN-US" style="color: #00b050; font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">J.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="font-family: "Frutiger 45 Light";">NILAI PENJAMINAN :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 21.3pt; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">70%
dari plafond pembiayaan.<b><o:p></o:p></b></span></div>
Yusuf Arif Setiawanhttp://www.blogger.com/profile/11644313448106640269noreply@blogger.com4tag:blogger.com,1999:blog-2133123732905641044.post-45271049717451992622011-09-29T05:21:00.001+08:002011-09-29T05:21:29.306+08:00Kredit Usaha Rakyat Bank Bukopin<br />
<div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: 'Cooper Std Black', serif; font-size: 12pt;">Skim Kredit Usaha Rakyat PT. BANK BUKOPIN TBK.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-indent: 0mm;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 14.2pt; mso-add-space: auto; mso-list: l3 level1 lfo1; text-indent: -14.2pt;">
<!--[if !supportLists]--><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">A.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">JENIS/TUJUAN
PENGGUNAAN :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 14.2pt; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Kredit/pembiayaan
yang diberikan kepada UMKMK yang memiliki usaha layak dibiayai untuk Modal
Kerja atau Investasi di sektor usaha produktif, menghasilkan barang dan atau
jasa yang memberikan nilai tambah dan meningkatkan pendapatan bagi pelaku
usaha.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-indent: -36pt;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 115%; margin-left: 14.2pt; mso-add-space: auto; mso-list: l3 level1 lfo1; text-indent: -14.2pt;">
<!--[if !supportLists]--><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">B.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">KRITERIA PENERIMA
:<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 35.45pt; text-indent: -21.25pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><img alt="*" height="12" src="file:///C:/Users/mika/AppData/Local/Temp/msohtmlclip1/01/clip_image001.gif" width="12" /><span style="font: 7.0pt "Times New Roman";">
</span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Usaha
Mikro<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 35.45pt; text-indent: -21.25pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><img alt="*" height="12" src="file:///C:/Users/mika/AppData/Local/Temp/msohtmlclip1/01/clip_image001.gif" width="12" /><span style="font: 7.0pt "Times New Roman";">
</span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Usaha
Kecil, Menengah dan Koperasi<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 35.45pt; text-indent: -21.25pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><img alt="*" height="12" src="file:///C:/Users/mika/AppData/Local/Temp/msohtmlclip1/01/clip_image001.gif" width="12" /><span style="font: 7.0pt "Times New Roman";">
</span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Kelompok
dan atau Gabungan Kelompok Usaha Mikro<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 35.45pt; text-indent: -21.25pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><img alt="*" height="12" src="file:///C:/Users/mika/AppData/Local/Temp/msohtmlclip1/01/clip_image001.gif" width="12" /><span style="font: 7.0pt "Times New Roman";">
</span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Kelompok
dan atau Gabungan Kelompok Usaha Kecil<o:p></o:p></span></div>
<div class="MsoNormal" style="text-indent: -35.45pt;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 115%; margin-left: 14.2pt; mso-add-space: auto; mso-list: l3 level1 lfo1; text-indent: -14.2pt;">
<!--[if !supportLists]--><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">C.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">PERSYARATAN :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 32.2pt; text-indent: -18pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">1.<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Bentuk usaha : perorangan
atau Badan Usaha atau Badan Hukum<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 32.2pt; text-indent: -18pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">2.<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Usaha telah berjalan lebih
dari 2 tahun<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 32.2pt; text-indent: -18pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">3.<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Menyerahkan fotokopi
identitas pribadi (KTP, KK atau sejenisnya), fotokopi perijinan dan legalitas
usaha sesuai dengan jenis/bidang usaha (antara lain NPWP, SIUP, TDP dan
perijinan/legalitas lainnya)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 32.2pt; text-indent: -18pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">4.<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Mempunyai tempat usaha
(milik sendiri atau sewa atau sejenisnya) disertai dengan fotokopi dokumennya<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 32.2pt; text-indent: -18pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">5.<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Menyerahkan fotokopi
rekening (tabungan atau giro) minimal 6 bulan terakhir dan bersedia membuka
rekening (tabungan dan giro) pada Bank Bukopin<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 32.2pt; text-indent: -18pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">6.<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Tidak sedang menikmati
kredit/pembiayaan dari perbankan lainnya<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 32.2pt; text-indent: -18pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">7.<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Memenuhi ketentuan dan
kelengkapan administrasi lainnya.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-indent: -35.45pt;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 115%; margin-left: 14.2pt; mso-add-space: auto; mso-list: l3 level1 lfo1; text-indent: -14.2pt;">
<!--[if !supportLists]--><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">D.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">PLAFOND :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 35.45pt; text-indent: -21.25pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><img alt="*" height="12" src="file:///C:/Users/mika/AppData/Local/Temp/msohtmlclip1/01/clip_image002.gif" width="12" /><span style="font: 7.0pt "Times New Roman";">
</span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">KUR
Ritel : Plafond Rp.5 juta
s.d. Rp.500 juta sesuai dengan ketentuan dan analisa kelayakan dari bank<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 35.45pt; text-indent: -21.25pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><img alt="*" height="12" src="file:///C:/Users/mika/AppData/Local/Temp/msohtmlclip1/01/clip_image002.gif" width="12" /><span style="font: 7.0pt "Times New Roman";">
</span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">KUR
Mikro : Plafond s.d. Rp.5 juta<o:p></o:p></span></div>
<div class="MsoNormal" style="text-indent: -35.45pt;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 115%; margin-left: 14.2pt; mso-add-space: auto; mso-list: l3 level1 lfo1; text-indent: -14.2pt;">
<!--[if !supportLists]--><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">E.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">SETTING (BENTUK)
KREDIT :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 14.2pt; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Setting
kredit dalam bentuk aflopen/installment/angsuran sesuai dengan analisa
kelayakan dari bank dan sesuai dengan kemampuan (cashflow) dari calon debitur<o:p></o:p></span></div>
<div class="MsoNormal" style="text-indent: -35.45pt;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 115%; margin-left: 14.2pt; mso-add-space: auto; mso-list: l3 level1 lfo1; text-indent: -14.2pt;">
<!--[if !supportLists]--><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">F.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">JANGKA WAKTU :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 35.45pt; text-indent: -21.25pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><img alt="*" height="12" src="file:///C:/Users/mika/AppData/Local/Temp/msohtmlclip1/01/clip_image002.gif" width="12" /><span style="font: 7.0pt "Times New Roman";">
</span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Kredit
Modal Kerja : maks. 3 tahun
dan tidak dapat diperpanjang<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 35.45pt; text-indent: -21.25pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><img alt="*" height="12" src="file:///C:/Users/mika/AppData/Local/Temp/msohtmlclip1/01/clip_image002.gif" width="12" /><span style="font: 7.0pt "Times New Roman";">
</span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Kredit
Investasi : maks. 5 tahun dan tidak
dapat diperpanjang.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-indent: -35.45pt;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 115%; margin-left: 14.2pt; mso-add-space: auto; mso-list: l3 level1 lfo1; text-indent: -14.2pt;">
<!--[if !supportLists]--><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">G.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">AGUNAN :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 35.45pt; text-indent: -21.25pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><img alt="*" height="12" src="file:///C:/Users/mika/AppData/Local/Temp/msohtmlclip1/01/clip_image001.gif" width="12" /><span style="font: 7.0pt "Times New Roman";">
</span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Penjaminan
dari PT. ASKRINDO/PERUM JAMKRINDO dengan maksimal sebesar 70% dari plafond KUR<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 35.45pt; text-indent: -21.25pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><img alt="*" height="12" src="file:///C:/Users/mika/AppData/Local/Temp/msohtmlclip1/01/clip_image001.gif" width="12" /><span style="font: 7.0pt "Times New Roman";">
</span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Agunan
milik UMKMK dapat berupa usaha yang dibiayai dan atau hak kebendaan lainnya
seperti : kendaraan (mobil), fixed asset (tanah dan atau bangunan atau kios
atau ruko atau apartemen atau sejenisnya) kendaraan sesuai dengan ketentuan
yang berlaku pada bank<o:p></o:p></span></div>
<div class="MsoNormal" style="text-indent: -35.45pt;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 115%; margin-left: 14.2pt; mso-add-space: auto; mso-list: l3 level1 lfo1; text-indent: -14.2pt;">
<!--[if !supportLists]--><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">H.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">SUKU BUNGA :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 14.2pt; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Suku
bunga yang diberikan untuk KUR RITEL maksimal 14% efektif per tahun dan KUR
MIKRO maksimal 22% efektif per tahun.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-indent: -36pt;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 115%; margin-left: 14.2pt; mso-add-space: auto; mso-list: l3 level1 lfo1; text-indent: -14.2pt;">
<!--[if !supportLists]--><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">I.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">BIAYA-BIAYA :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 35.45pt; text-indent: -21.25pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><img alt="*" height="12" src="file:///C:/Users/mika/AppData/Local/Temp/msohtmlclip1/01/clip_image001.gif" width="12" /><span style="font: 7.0pt "Times New Roman";">
</span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Provisi
1% dari plafond per jangka waktu<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 35.45pt; text-indent: -21.25pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><img alt="*" height="12" src="file:///C:/Users/mika/AppData/Local/Temp/msohtmlclip1/01/clip_image001.gif" width="12" /><span style="font: 7.0pt "Times New Roman";">
</span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Administrasi
1</span><span lang="EN-US" style="font-family: "Times New Roman","serif";">‰</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"> dari plafond fasilitas
kredit<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 35.45pt; text-indent: -21.25pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><img alt="*" height="12" src="file:///C:/Users/mika/AppData/Local/Temp/msohtmlclip1/01/clip_image001.gif" width="12" /><span style="font: 7.0pt "Times New Roman";">
</span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Asuransi
berdasarkan jaminan yang diagunkan ke Bank Bukopin<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 35.45pt; text-indent: -21.25pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><img alt="*" height="12" src="file:///C:/Users/mika/AppData/Local/Temp/msohtmlclip1/01/clip_image001.gif" width="12" /><span style="font: 7.0pt "Times New Roman";">
</span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Pengikatan
Notaris atau pengikatan intern Bank Bukopin sesuai dengan ketentuan yang
berlaku pada Bank Bukopin<o:p></o:p></span></div>
Yusuf Arif Setiawanhttp://www.blogger.com/profile/11644313448106640269noreply@blogger.com4tag:blogger.com,1999:blog-2133123732905641044.post-90027616658435734012011-09-29T05:19:00.001+08:002011-09-29T05:19:40.009+08:00Kredit Usaha Rakyat Bank Mandiri<div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Cooper Std Black","serif"; font-size: 12.0pt;">Skim Kredit Usaha Rakyat PT. BANK MANDIRI (PERSERO) TBK.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 17.45pt; text-indent: 0mm;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 21.3pt; mso-add-space: auto; mso-list: l5 level1 lfo2; text-indent: -21.3pt;">
<!--[if !supportLists]--><b><span lang="EN-US" style="color: #cc00cc; font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">A.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="font-family: "Frutiger 45 Light";">KRITERIA PENERIMA KUR :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 21.3pt; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">UMKM dan koperasi yang <i>feasible</i>
namun belum <i>bankable</i> :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 42.55pt; text-indent: -21.25pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><img alt="*" height="12" src="file:///C:/Users/mika/AppData/Local/Temp/msohtmlclip1/01/clip_image005.gif" width="12" /><span style="font: 7.0pt "Times New Roman";">
</span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Tidak
sedang menerima kredit/pembiayaan dari perbankan (kecuali kredit konsumtif
dangan kolektibilitas lancar) dan atau<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 42.55pt; text-indent: -21.25pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><img alt="*" height="12" src="file:///C:/Users/mika/AppData/Local/Temp/msohtmlclip1/01/clip_image005.gif" width="12" /><span style="font: 7.0pt "Times New Roman";">
</span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Tidak
sedang menerima kredit program dari pemerintah<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-left: 21.3pt; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Yang dibuktikan dengan hasil
SID Bank Indonesia.<o:p></o:p></span></div>
<div class="MsoListParagraph" style="margin-left: 35.45pt; text-indent: -14.15pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;">ü<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Khusus untuk KUR Mikro tidak
perlu dibuktikan dengan SID BI.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-indent: -35.45pt;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 115%; margin-left: 21.3pt; mso-add-space: auto; mso-list: l5 level1 lfo2; text-indent: -21.3pt;">
<!--[if !supportLists]--><b><span lang="EN-US" style="color: #cc00cc; font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">B.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="font-family: "Frutiger 45 Light";">SEGMEN KUR :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 39.3pt; mso-add-space: auto; mso-list: l18 level1 lfo4; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">1.<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">KUR Mikro :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 39.3pt; mso-add-space: auto; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Yaitu kredit/pembiayaan limit maksimal Rp.5 juta kepada
setiap calon debitur baik langsung (<i>direct</i>)
dan tidak langsung (<i>linkage</i>).<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 39.3pt; mso-add-space: auto; mso-list: l18 level1 lfo4; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">2.<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">KUR Retail :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 39.3pt; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Yaitu
kredit/pembiayaan limit diatas Rp.5 juta sampai dengan maksimal Rp.500 juta
kepada setiap calon debitur baik langsung (<i>direct</i>)
dan tidak langsung (<i>linkage</i>).<o:p></o:p></span></div>
<div class="MsoNormal" style="text-indent: -36pt;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 115%; margin-left: 21.3pt; mso-add-space: auto; mso-list: l5 level1 lfo2; text-indent: -21.3pt;">
<!--[if !supportLists]--><b><span lang="EN-US" style="color: #cc00cc; font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">C.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="font-family: "Frutiger 45 Light";">POLA PENYALURAN :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 42.55pt; text-indent: -21.25pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><img alt="*" height="12" src="file:///C:/Users/mika/AppData/Local/Temp/msohtmlclip1/01/clip_image003.gif" width="14" /><span style="font: 7.0pt "Times New Roman";">
</span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Pola
Langsung : KUR diberikan Bank kepada UMKMK secara langsung dengan limit sesuai
segmen KUR<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 42.55pt; text-indent: -21.25pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><img alt="*" height="12" src="file:///C:/Users/mika/AppData/Local/Temp/msohtmlclip1/01/clip_image003.gif" width="14" /><span style="font: 7.0pt "Times New Roman";">
</span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Pola
Tidak Langsung (Linkage) : <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 20mm; text-indent: -14.15pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">1.<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Pola Linkage Executing : <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 78pt; text-indent: -14.2pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;">§<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">KUR diberikan Bank kepada
Lembaga Linkage untuk diteruskan ke UMKMK.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 78pt; text-indent: -14.2pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;">§<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Kewajiban pengembalian
kredit merupakan tanggung jawab lembaga linkage<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 78pt; text-indent: -14.2pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;">§<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Limit maksimal per lembaga
linkage Rp.1 milyar <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 78pt; text-indent: -14.2pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;">§<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Limit maksimal per end user
Rp.100 juta<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 20mm; text-indent: -14.15pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">2.<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Pola Linkage Channeling :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 78pt; text-indent: -14.2pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;">§<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">KUR diberikan Bank kepada
UMKMK melalui lembaga linkage<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 78pt; text-indent: -14.2pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;">§<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Kewajiban pengembalian
kredit merupakan tanggung jawab debitur UMKMK<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 78pt; text-indent: -14.2pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;">§<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Limit maksimal per lembaga
linkage sesuai daftar nominative end user <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 78pt; text-indent: -14.2pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;">§<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Limit maksimal per end user
Rp.500 juta.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-left: 42.55pt; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Atas penyaluran linkage,
lembaga linkage berhak memperoleh fee yang besarnya sesuai kesepakatan Unit
Bisnis dengan Lembaga Linkage.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-indent: 0mm;">
<br /></div>
<div class="MsoListParagraph" style="margin-left: 21.3pt; text-indent: -21.3pt;">
<!--[if !supportLists]--><b><span lang="EN-US" style="color: #cc00cc; font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">D.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="font-family: "Frutiger 45 Light";">FITUR KUR RETAIL<o:p></o:p></span></b></div>
<div class="MsoNormal" style="text-indent: -35.45pt;">
<br /></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-bottom-style: none; border-collapse: collapse; border-color: initial; border-image: initial; border-left-style: none; border-right-style: none; border-top-style: none; border-width: initial; margin-left: 26.7pt; width: 595px;">
<tbody>
<tr>
<td style="background: #CC00CC; border: solid black 1.0pt; mso-border-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 99.2pt;" valign="top" width="132">
<div align="center" class="MsoNormal" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<b><span lang="EN-US" style="font-family: "Frutiger 45 Light";">FITUR<o:p></o:p></span></b></div>
</td>
<td style="background: #CC00CC; border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 186.85pt;" valign="top" width="249">
<div align="center" class="MsoNormal" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<b><span lang="EN-US" style="font-family: "Frutiger 45 Light";">KREDIT MODAL KERJA<o:p></o:p></span></b></div>
</td>
<td style="background: #CC00CC; border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 160.45pt;" valign="top" width="214">
<div align="center" class="MsoNormal" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<b><span lang="EN-US" style="font-family: "Frutiger 45 Light";">KREDIT INVESTASI<o:p></o:p></span></b></div>
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<div class="MsoNormal" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Tujuan kredit<o:p></o:p></span></div>
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<div class="MsoNormal" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Memenuhi kebutuhan modal
kerja usaha dengan tujuan produktif<o:p></o:p></span></div>
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<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 160.45pt;" valign="top" width="214">
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<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Untuk pembiayaan investasi
usaha dengan tujuan produktif<o:p></o:p></span></div>
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<td style="border-top: none; border: solid black 1.0pt; height: 193.65pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 99.2pt;" valign="top" width="132">
<div class="MsoNormal" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Limit kredit<o:p></o:p></span></div>
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<div class="MsoListParagraphCxSpFirst" style="margin-left: 11.35pt; text-indent: -11.35pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">1.<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">KUR individual<o:p></o:p></span></div>
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<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Diatas Rp.5 juta s.d. maksimal Rp.500 juta<o:p></o:p></span></div>
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<!--[if !supportLists]--><span lang="EN-US" style="font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">2.<span style="font: 7.0pt "Times New Roman";">
</span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">KUR
linkage :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 18.45pt; text-indent: -7.1pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Pola executing : maksimal
Rp.1 milyar per lembaga linkage dan maksimal Rp.100 juta untuk end user<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 18.45pt; text-indent: -7.1pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Pola channeling : limit
per lembaga linkage sesuai dengan daftar nominative calon debitur yang
diajukan oleh lembaga linkage dengan limit diatas Rp.5 juta s.d. maksimal
limit Rp.500 juta per debitur.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 18.45pt; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Untuk limit kredit maksimal Rp.5 juta per debitur
berlaku ketentuan KUR mikro.</span></div>
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<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Sifat kredit<o:p></o:p></span></div>
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<div class="MsoNormal" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Revolving dan non
revolving<o:p></o:p></span></div>
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<div class="MsoNormal" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Non revolving<o:p></o:p></span></div>
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<div class="MsoNormal" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Jangka waktu &
restrukturisasi<o:p></o:p></span></div>
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<span lang="EN-US" style="font-family: "Frutiger 45 Light";">1.Revolving<o:p></o:p></span></div>
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<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Maksimal 1 tahun dan dapat diperpanjang<o:p></o:p></span></div>
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<span lang="EN-US" style="font-family: "Frutiger 45 Light";">2.Non Revolving<o:p></o:p></span></div>
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<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Maksimal 3 tahun<o:p></o:p></span></div>
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<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Jangka waktu maksimum 5
tahun termasuk grace period<o:p></o:p></span></div>
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<div class="MsoNormal" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Untuk keperluan
perpanjangan, suplesi dan restrukturisasi, maka jangka waktu dapat
diperpanjang menjadi maksimal 6 tahun terhitung sejak tangal perjanjian
kredit awal.<o:p></o:p></span></div>
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<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 160.45pt;" valign="top" width="214">
<div class="MsoNormal" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Untuk keperluan
restrukturisasi, maka jangka waktu dapat diperpanjang menjadi maksimal 10
tahun terhitung sejak tanggal perjanjian kredit awal<o:p></o:p></span></div>
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<td colspan="2" style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 114.95pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 347.3pt;" valign="top" width="463">
<div class="MsoNormal" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Ketentuan tambahan limit
kredit dan jangka waktu kredit :<o:p></o:p></span></div>
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<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Debitur dapat memperoleh
perpanjangan jangka waktu kredit maupun tambahan limit kredit tanpa menunggu
pinjaman ybs dilunasi dengan sayarat :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpFirst" style="margin-left: 11.35pt; text-indent: -11.35pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">1.<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Debitur masih belum
bankable<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 11.35pt; text-indent: -11.35pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">2.<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Ketentuan limit :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 18.45pt; text-indent: -7.1pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">-<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Untuk KUR retail total
limit tidak melebihi Rp.500 juta<o:p></o:p></span></div>
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<!--[if !supportLists]--><span lang="EN-US" style="font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">-<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Untuk KUR melalui lembaga
linkage pola executing total limit tidak melebihi Rp.1 milyar<o:p></o:p></span></div>
</td>
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<tr style="height: 105.8pt; mso-yfti-irow: 7;">
<td colspan="2" style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 105.8pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 347.3pt;" valign="top" width="463">
<div class="MsoNormal" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Restrukturisasi :<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Debitur bermasalah
dimungkinkan di restrukturisasi sesuai ketentuan berlaku di bank dengan
ketentuan :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpFirst" style="margin-left: 11.35pt; text-indent: -11.35pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Tidak diperbolehkan
menambah plafond pinjaman KUR<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 11.35pt; text-indent: -11.35pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Ketentuan lainnya sesuai
dengan ketentuan KUR retail<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 11.35pt; text-indent: -11.35pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Untuk KUR yang
direstrukturisasi tidak menggugurkan hak klaim dari bank kepada perusahaan
penjamin<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-left: 0mm; text-indent: 0mm;">
<br /></div>
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<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 99.2pt;" valign="top" width="132">
<div class="MsoNormal" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Suku bunga<o:p></o:p></span></div>
</td>
<td colspan="2" style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 347.3pt;" valign="top" width="463">
<div class="MsoNormal" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Maksimal 14% p.a efektif
floating<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Suku bunga maksimal dapat
ditetapkan lain oleh Departemen Keuangan atas rekomendasi komite kebijakan<o:p></o:p></span></div>
</td>
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<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 99.2pt;" valign="top" width="132">
<div class="MsoNormal" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Agunan <o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 186.85pt;" valign="top" width="249">
<div class="MsoListParagraphCxSpFirst" style="margin-left: 15.85pt; text-indent: -15.85pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">1.<span style="font: 7.0pt "Times New Roman";">
</span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Obyek
yang dibiayai<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 15.85pt; text-indent: -15.85pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">2.<span style="font: 7.0pt "Times New Roman";">
</span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Tambahan
agunan fixed asset minimal sebesar 30% dari limit kredit<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 160.45pt;" valign="top" width="214">
<div class="MsoListParagraphCxSpLast" style="margin-left: 15.85pt; text-indent: -15.85pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">1.<span style="font: 7.0pt "Times New Roman";">
</span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Obyek
yang dibiayai<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 99.2pt;" valign="top" width="132">
<div class="MsoNormal" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Pengikatan Agunan <o:p></o:p></span></div>
</td>
<td colspan="2" style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 347.3pt;" valign="top" width="463">
<div class="MsoListParagraphCxSpFirst" style="margin-left: 11.35pt; text-indent: -14.2pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Tanah dan bangunan yang
sudah bersertifikat seperti SHM/SHGB dengan limit kredit diatas Rp.50 juta
diikat Hak Tanggungan<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 11.35pt; text-indent: -14.2pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Tanah dan bangunan yang
sudah bersertifikat seperti SHM/SHGB dengan limit kredit sampai dengan Rp.50
juta disyaratkan pembuatan SKMHT<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 11.35pt; text-indent: -14.2pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Khusus pola linkage dengan
limit kredit per end user s.d. Rp.50 juta dengan kondisi tanah yang belum
bersertifikat anatar lain Surat Girik, AKte Hibah, Petok D, Letter C
disyaratkan Surat Kuasa Menjual yang harus diperbaharui setiap dilakukan
perpanjangan fasilitas kredit<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 11.35pt; text-indent: -14.2pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Agunan lainnya diikat
sesuai ketentuan<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 99.2pt;" valign="top" width="132">
<div class="MsoNormal" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Penilaian Agunan<o:p></o:p></span></div>
</td>
<td colspan="2" style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 347.3pt;" valign="top" width="463">
<div class="MsoNormal" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Dilakukan oleh Credit
Operations atau perusahaan appraisal rekanan Bank dengan biaya atas beban
calon debitur<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Penilaian yang dilakukan
oleh perusahaan appraisal rekanan bank dan direview oleh credit operation
bank sesuai dengan ketentuan yang berlaku<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 99.2pt;" valign="top" width="132">
<div class="MsoNormal" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Penjaminan Kredit<o:p></o:p></span></div>
</td>
<td colspan="2" style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 347.3pt;" valign="top" width="463">
<div class="MsoNormal" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Maksimal 70% dari limit
kredit ditutup melalui lembaga penjamin kredit PT. Askrindo atau Perum
Jamkrindo dengan imbal jasa penjaminan beban pemerintah<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 99.2pt;" valign="top" width="132">
<div class="MsoNormal" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Asuransi Agunan<o:p></o:p></span></div>
</td>
<td colspan="2" style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 347.3pt;" valign="top" width="463">
<div class="MsoNormal" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Agunan yang insurable
wajib ditutup asuransi rekanan bank dengan syarat banker’s clause<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 99.2pt;" valign="top" width="132">
<div class="MsoNormal" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Keputusan kredit<o:p></o:p></span></div>
</td>
<td colspan="2" style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 347.3pt;" valign="top" width="463">
<div class="MsoNormal" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Diputus oleh Business Unit
sesuai SPK segmen Small Business melalui ILP dengan mempertimbangkan pemenuhan
Risk Acceptance Criteria (RAC) dan ketentuan KUR mandiri.<o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
<div class="MsoNormal" style="text-indent: -35.45pt;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 115%; margin-left: 14.2pt; mso-add-space: auto; mso-list: l5 level1 lfo2; text-indent: -14.2pt;">
<!--[if !supportLists]--><b><span lang="EN-US" style="color: #cc00cc; font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">E.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="color: #cc00cc; font-family: "Frutiger 45 Light";">PERSYARATAN
DOKUMEN POLA INDIVIDU<o:p></o:p></span></b></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; border: none; margin-left: 19.6pt; mso-border-alt: solid black .5pt; mso-border-insideh: .5pt solid black; mso-border-insidev: .5pt solid black; mso-padding-alt: 0mm 5.4pt 0mm 5.4pt; mso-table-layout-alt: fixed; mso-yfti-tbllook: 1184;">
<tbody>
<tr>
<td rowspan="2" style="background: #CC00CC; border: solid black 1.0pt; mso-border-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 80.0mm;" valign="top" width="302">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<b><span lang="EN-US" style="font-family: "Frutiger 45 Light";">JENIS
DOKUMEN<o:p></o:p></span></b></div>
</td>
<td rowspan="2" style="background: #CC00CC; border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 80.7pt;" valign="top" width="108">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<b><span lang="EN-US" style="font-family: "Frutiger 45 Light";">PERORANGAN<o:p></o:p></span></b></div>
</td>
<td colspan="2" style="background: #CC00CC; border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 146.1pt;" valign="top" width="195">
<div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<b><span lang="EN-US" style="font-family: "Frutiger 45 Light";">BADAN
USAHA<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="background: #CC00CC; border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 70.9pt;" valign="top" width="95">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<b><span lang="EN-US" style="font-family: "Frutiger 45 Light";">BERBADAN
HUKUM<o:p></o:p></span></b></div>
</td>
<td style="background: #CC00CC; border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 75.2pt;" valign="top" width="100">
<div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<b><span lang="EN-US" style="font-family: "Frutiger 45 Light";">NON
BADAN HUKUM<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 80.0mm;" valign="top" width="302">
<div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Aplikasi
kredit<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 80.7pt;" valign="top" width="108">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 70.9pt;" valign="top" width="95">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 75.2pt;" valign="top" width="100">
<div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 80.0mm;" valign="top" width="302">
<div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Fotokopi
KTP suami/istri yang masih berlaku<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 80.7pt;" valign="top" width="108">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 70.9pt;" valign="top" width="95">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 75.2pt;" valign="top" width="100">
<div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 80.0mm;" valign="top" width="302">
<div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Fotokopi
surat nikah untuk yang sudah menikah<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 80.7pt;" valign="top" width="108">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 70.9pt;" valign="top" width="95">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 75.2pt;" valign="top" width="100">
<div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 80.0mm;" valign="top" width="302">
<div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Fotokopi
Kartu Keluarga<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 80.7pt;" valign="top" width="108">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 70.9pt;" valign="top" width="95">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 75.2pt;" valign="top" width="100">
<div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 80.0mm;" valign="top" width="302">
<div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Fotokopi
KTP Direksi/Komisaris yang masih berlaku<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 80.7pt;" valign="top" width="108">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 70.9pt;" valign="top" width="95">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 75.2pt;" valign="top" width="100">
<div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 80.0mm;" valign="top" width="302">
<div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Fotokopi
akte pendirian perusahaan, tanda bukti pengesahan pendaftaran dan pengumuman
dari instansi yang berwenang<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 80.7pt;" valign="top" width="108">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 70.9pt;" valign="top" width="95">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 75.2pt;" valign="top" width="100">
<div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 80.0mm;" valign="top" width="302">
<div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Foto
pemohon ukuran 4 x 6<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 80.7pt;" valign="top" width="108">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 70.9pt;" valign="top" width="95">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 75.2pt;" valign="top" width="100">
<div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 80.0mm;" valign="top" width="302">
<div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">NPWP
perusahaan/pribadi<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 80.7pt;" valign="top" width="108">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 70.9pt;" valign="top" width="95">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 75.2pt;" valign="top" width="100">
<div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 80.0mm;" valign="top" width="302">
<div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">TDP
& SIUP<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 80.7pt;" valign="top" width="108">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 70.9pt;" valign="top" width="95">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 75.2pt;" valign="top" width="100">
<div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 80.0mm;" valign="top" width="302">
<div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Bukti
kepemilikan asset yang akan dijaminkan<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 80.7pt;" valign="top" width="108">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 70.9pt;" valign="top" width="95">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 75.2pt;" valign="top" width="100">
<div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 80.0mm;" valign="top" width="302">
<div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Fotokopi
rekening giro dan atau tabungan 6 bulan terakhir (bila ada)<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 80.7pt;" valign="top" width="108">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 70.9pt;" valign="top" width="95">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 75.2pt;" valign="top" width="100">
<div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 80.0mm;" valign="top" width="302">
<div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">IMB
dan bukti setoran pembayaran PBB<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 80.7pt;" valign="top" width="108">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 70.9pt;" valign="top" width="95">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 75.2pt;" valign="top" width="100">
<div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
<div class="MsoListParagraphCxSpFirst" style="margin-left: 14.2pt; text-indent: -14.2pt;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 14.2pt; mso-add-space: auto; mso-list: l17 level1 lfo19; text-indent: -14.2pt;">
<!--[if !supportLists]--><b><span lang="EN-US" style="color: #cc00cc; font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">F.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="color: #cc00cc; font-family: "Frutiger 45 Light";">PERSYARATAN
DOKUMEN POLA LINKAGE-KOPERASI<o:p></o:p></span></b></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; border: none; margin-left: 14.2pt; mso-border-alt: solid black .5pt; mso-border-insideh: .5pt solid black; mso-border-insidev: .5pt solid black; mso-padding-alt: 0mm 5.4pt 0mm 5.4pt; mso-yfti-tbllook: 1184;">
<tbody>
<tr>
<td rowspan="2" style="background: #CC00CC; border: solid black 1.0pt; mso-border-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 303.05pt;" valign="top" width="404">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<b><span lang="EN-US" style="font-family: "Frutiger 45 Light";">JENIS
DOKUMEN<o:p></o:p></span></b></div>
</td>
<td colspan="2" style="background: #CC00CC; border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 155.15pt;" valign="top" width="207">
<div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<b><span lang="EN-US" style="font-family: "Frutiger 45 Light";">NON
KOPKAR<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="background: #CC00CC; border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 77.2pt;" valign="top" width="103">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<b><span lang="EN-US" style="font-family: "Frutiger 45 Light";">ANGGOTA<o:p></o:p></span></b></div>
</td>
<td style="background: #CC00CC; border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 77.95pt;" valign="top" width="104">
<div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<b><span lang="EN-US" style="font-family: "Frutiger 45 Light";">KOPERASI<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 303.05pt;" valign="top" width="404">
<div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Untuk
anggota koperasi<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 77.2pt;" valign="top" width="103">
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-indent: 0mm;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 77.95pt;" valign="top" width="104">
<div class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-indent: 0mm;">
<br /></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 303.05pt;" valign="top" width="404">
<div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">PKS
dengan koperasi dan atau perusahaan inti telah ditandatangani<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 77.2pt;" valign="top" width="103">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 77.95pt;" valign="top" width="104">
<div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 303.05pt;" valign="top" width="404">
<div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Surat
penjaminan dari perusahaan inti dan atau koperasi telah diserahkan<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 77.2pt;" valign="top" width="103">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 77.95pt;" valign="top" width="104">
<div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 303.05pt;" valign="top" width="404">
<div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Telah
menyerahkan pernyataan dari koperasi kepada bank (Standing instruction) untuk
mendebet rekening koperasi setiap bulan untuk angsuran (pokok dan bunga)
anggota kopperasi kepada bank<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 77.2pt;" valign="top" width="103">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 77.95pt;" valign="top" width="104">
<div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 303.05pt;" valign="top" width="404">
<div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Telah
memenuhi persyaratan yang ditetapkan dalam perjanjian kredit (PK) dan Surat
Penawaran Pemberian Kredit (SPPK)<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 77.2pt;" valign="top" width="103">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 77.95pt;" valign="top" width="104">
<div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 303.05pt;" valign="top" width="404">
<div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Telah
menandatangani Perjanjian Kredit<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 77.2pt;" valign="top" width="103">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 77.95pt;" valign="top" width="104">
<div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 303.05pt;" valign="top" width="404">
<div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Telah
memenuhi persyaratan lain yang ditetapkan oleh pejabat yang berwenang memutus
kredit<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 77.2pt;" valign="top" width="103">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 77.95pt;" valign="top" width="104">
<div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 303.05pt;" valign="top" width="404">
<div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Untuk
Koperasi<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 77.2pt;" valign="top" width="103">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 77.95pt;" valign="top" width="104">
<div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 303.05pt;" valign="top" width="404">
<div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Menyerahkan
RAT terakhir<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 77.2pt;" valign="top" width="103">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 77.95pt;" valign="top" width="104">
<div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 303.05pt;" valign="top" width="404">
<div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">PKS
antara koperasi dengan perusahaan inti telah ditandatangani (apabila ada
penjaminan)<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 77.2pt;" valign="top" width="103">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 77.95pt;" valign="top" width="104">
<div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 303.05pt;" valign="top" width="404">
<div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Koperasi
telah menandatangani Perjanjian Kredit (PK) dan Surat Penawaran Pemberian
Kredit (SPPK)<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 77.2pt;" valign="top" width="103">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 77.95pt;" valign="top" width="104">
<div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 303.05pt;" valign="top" width="404">
<div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Koperasi
telah membuka rekening di Bank Mandiri untuk aktivitas transaksi usahanya<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 77.2pt;" valign="top" width="103">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 77.95pt;" valign="top" width="104">
<div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 303.05pt;" valign="top" width="404">
<div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Telah
memenuhi persyaratan yang ditetapkan dalam PK dan SPPK<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 77.2pt;" valign="top" width="103">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 77.95pt;" valign="top" width="104">
<div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 303.05pt;" valign="top" width="404">
<div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Telah
menandatangani PK<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 77.2pt;" valign="top" width="103">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 77.95pt;" valign="top" width="104">
<div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 303.05pt;" valign="top" width="404">
<div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Telah
memenuhi persyaratan lain yang ditetapkan oleh pejabat yang berwenang memutus
kredit<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 77.2pt;" valign="top" width="103">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 77.95pt;" valign="top" width="104">
<div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
<div class="MsoListParagraphCxSpFirst" style="margin-left: 14.2pt; text-indent: 0mm;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-indent: 0mm;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 14.2pt; mso-add-space: auto; mso-list: l17 level1 lfo19; text-indent: -14.2pt;">
<!--[if !supportLists]--><b><span lang="EN-US" style="color: #cc00cc; font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">G.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="color: #cc00cc; font-family: "Frutiger 45 Light";">PERSYARATAN
DOKUMEN POLA LINKAGE-KELOMPOK TANI<o:p></o:p></span></b></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-bottom-style: none; border-collapse: collapse; border-color: initial; border-image: initial; border-left-style: none; border-right-style: none; border-top-style: none; border-width: initial; margin-left: 14.2pt; width: 612px;">
<tbody>
<tr>
<td style="background: #CC00CC; border: solid black 1.0pt; mso-border-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 303.05pt;" valign="top" width="404">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<b><span lang="EN-US" style="font-family: "Frutiger 45 Light";">JENIS
DOKUMEN<o:p></o:p></span></b></div>
</td>
<td style="background: #CC00CC; border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 30.0mm;" valign="top" width="113">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<b><span lang="EN-US" style="font-family: "Frutiger 45 Light";">PERORANGAN<o:p></o:p></span></b></div>
</td>
<td style="background: #CC00CC; border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 70.9pt;" valign="top" width="95">
<div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<b><span lang="EN-US" style="font-family: "Frutiger 45 Light";">KELOMPOK
TANI<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 303.05pt;" valign="top" width="404">
<div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Copy
KTP/Identitas pemohon & suami/istri<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 30.0mm;" valign="top" width="113">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 70.9pt;" valign="top" width="95">
<div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 303.05pt;" valign="top" width="404">
<div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Copy
surat nikah/cerai<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 30.0mm;" valign="top" width="113">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 70.9pt;" valign="top" width="95">
<div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 303.05pt;" valign="top" width="404">
<div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Copy
Kartu Keluarga<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 30.0mm;" valign="top" width="113">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 70.9pt;" valign="top" width="95">
<div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 303.05pt;" valign="top" width="404">
<div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Photo
4 x 6<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 30.0mm;" valign="top" width="113">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 70.9pt;" valign="top" width="95">
<div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 303.05pt;" valign="top" width="404">
<div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Rencana
Difinitif Kebutuhan Individu (RDKI)/Rencana Difinaitif Kelompok(RDK)<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 30.0mm;" valign="top" width="113">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 70.9pt;" valign="top" width="95">
<div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 303.05pt;" valign="top" width="404">
<div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Copy
dokumen kepemilikan agunan<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 30.0mm;" valign="top" width="113">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 70.9pt;" valign="top" width="95">
<div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 303.05pt;" valign="top" width="404">
<div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Aturan
Kelompok<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 30.0mm;" valign="top" width="113">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 70.9pt;" valign="top" width="95">
<div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 303.05pt;" valign="top" width="404">
<div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Susunan
Pengurus<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 30.0mm;" valign="top" width="113">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 70.9pt;" valign="top" width="95">
<div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 303.05pt;" valign="top" width="404">
<div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Rencana
Definitif Kebutuhan Kelompok (RDKK)<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 30.0mm;" valign="top" width="113">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 70.9pt;" valign="top" width="95">
<div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 303.05pt;" valign="top" width="404">
<div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Copy
KTP/Identitas pengurus<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 30.0mm;" valign="top" width="113">
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0mm 5.4pt 0mm 5.4pt; width: 70.9pt;" valign="top" width="95">
<div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Times New Roman","serif";">√</span><span lang="EN-US" style="font-family: "Frutiger 45 Light";"><o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
<div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 14.2pt; text-indent: -14.2pt;">
<!--[if !supportLists]--><b><span lang="EN-US" style="color: #cc00cc; font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">H.<span style="font: 7.0pt "Times New Roman";">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="font-family: "Frutiger 45 Light";">KETENTUAN PENJAMINAN (SESUAI
SOP)<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 32.2pt; text-indent: -18pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">1.<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Syarat Klaim :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 32.2pt; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Klaim dapat diajukan kepada perusahaan penjamin setelah :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 20mm; text-indent: -21.25pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><img alt="*" height="12" src="file:///C:/Users/mika/AppData/Local/Temp/msohtmlclip1/01/clip_image003.gif" width="14" /><span style="font: 7.0pt "Times New Roman";">
</span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Perjanijan
kredit jatuh tempo dan debitur KUR tidak melunasi kewajiban pengembalian
pinjaman atau<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 20mm; text-indent: -21.25pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><img alt="*" height="12" src="file:///C:/Users/mika/AppData/Local/Temp/msohtmlclip1/01/clip_image003.gif" width="14" /><span style="font: 7.0pt "Times New Roman";">
</span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">KUR
dalam kolektibilitas 4 (diragukan) sesuai ketentuan BI atau<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 20mm; text-indent: -21.25pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><img alt="*" height="12" src="file:///C:/Users/mika/AppData/Local/Temp/msohtmlclip1/01/clip_image003.gif" width="14" /><span style="font: 7.0pt "Times New Roman";">
</span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Keadaan
Insolvent :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 70.9pt; text-indent: -14.2pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font: 7.0pt "Times New Roman";">
</span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Debitur
dinyatakan pailit oleh pengadilan yang berwenang<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 70.9pt; text-indent: -14.2pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font: 7.0pt "Times New Roman";">
</span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Debitur
dikenakan likuidasi berdasarkan keputusan pengadilan yang berwenang dan untuk
itu telah ditunjuk likuidator<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 70.9pt; text-indent: -14.2pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font: 7.0pt "Times New Roman";">
</span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Debitur
diletakkan dibawah pengampuan<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 32.2pt; text-indent: -18pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">2.<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Besarnya klaim<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 32.2pt; text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Klaim penjaminan yang dapat diajukan oleh bank sebesar 70%
x (sisa pokok + bunga + denda) dengan setinggi-tingginya sebesar 70% x plafond
KUR<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 32.2pt; text-indent: -18pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">3.<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Resiko kerugian debitur KUR
yang tidak dijamin :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 20mm; text-indent: -21.25pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><img alt="*" height="12" src="file:///C:/Users/mika/AppData/Local/Temp/msohtmlclip1/01/clip_image003.gif" width="14" /><span style="font: 7.0pt "Times New Roman";">
</span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Bencana
alam nasional (atau wabah penyakit menular pada manusia/hewan berkuku/unggas)
yang ditetapkan pleh pemerintah pusat<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 20mm; text-indent: -21.25pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><img alt="*" height="12" src="file:///C:/Users/mika/AppData/Local/Temp/msohtmlclip1/01/clip_image003.gif" width="14" /><span style="font: 7.0pt "Times New Roman";">
</span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Reaksi
nuklir, sentuhan radioaktif, radiasi rekasi inti atom yang langsung
mengakibatkan kegagalan usaha debitur untuk melunasi KUR tanpa memandang
bagaimana dan dimana terjadinya<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 20mm; text-indent: -21.25pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><img alt="*" height="12" src="file:///C:/Users/mika/AppData/Local/Temp/msohtmlclip1/01/clip_image003.gif" width="14" /><span style="font: 7.0pt "Times New Roman";">
</span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Peperangan
baik dinyatakan maupun tidak atau sebagian wilayah Indonesia dinyatakan dalam
keadaan bahaya atau dalam keadaan darurat perang<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 20mm; text-indent: -21.25pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><img alt="*" height="12" src="file:///C:/Users/mika/AppData/Local/Temp/msohtmlclip1/01/clip_image003.gif" width="14" /><span style="font: 7.0pt "Times New Roman";">
</span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Huru
hara yang berkaitan dengan gerakan atau kerusuhan politik yang secara langsung
mengakibatkan kegagalan debitur wan prestasi<o:p></o:p></span></div>
<div class="MsoNormal" style="text-indent: 0mm;">
<span lang="EN-US" style="font-family: "Frutiger 45 Light";">Kecuali ditetapkan lain oleh Komite
Kebijakan.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpFirst" style="margin-left: 32.2pt; text-indent: -18pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">4.<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Subrogasi<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 20mm; text-indent: -21.25pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><img alt="*" height="12" src="file:///C:/Users/mika/AppData/Local/Temp/msohtmlclip1/01/clip_image003.gif" width="14" /><span style="font: 7.0pt "Times New Roman";">
</span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Klaim
yang telah dibayar oleh perusahaan penjamin kepada bank tidak membebaskan
debitur dari kewajibannya untuk melunasi kredit/pembiayaan<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 20mm; text-indent: -21.25pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><img alt="*" height="12" src="file:///C:/Users/mika/AppData/Local/Temp/msohtmlclip1/01/clip_image003.gif" width="14" /><span style="font: 7.0pt "Times New Roman";">
</span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Dalam
hal perusahaan penjamin telah membayar klaim kepada bank maka hak tagih dan
hasil penjualan agunan beralih menjadi hak subrogasi yang dibagi secara
proporsional antara perusahaan penjamin dan bank<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 20mm; text-indent: -21.25pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><img alt="*" height="12" src="file:///C:/Users/mika/AppData/Local/Temp/msohtmlclip1/01/clip_image003.gif" width="14" /><span style="font: 7.0pt "Times New Roman";">
</span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Berdasarkan
pertimbangan dan untuk kepentingan debitur KUR, anatara lain dalam hal
pemenuhan agunan tambahan, maka Depaartemen Keuangan melalui Peraturan Menteri
Keuangan dapat mengatur kembali mengenai ketentuan dan pelaksanaan subrogasi
tersebut di atas<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 32.2pt; text-indent: -18pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "Frutiger 45 Light"; mso-bidi-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Frutiger 45 Light";">5.<span style="font: 7.0pt "Times New Roman";"> </span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Pelaksanaan pembayaran klaim<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 20mm; text-indent: -21.25pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><img alt="*" height="12" src="file:///C:/Users/mika/AppData/Local/Temp/msohtmlclip1/01/clip_image003.gif" width="14" /><span style="font: 7.0pt "Times New Roman";">
</span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Apabila
terjadi tuntutan klaim dari bank dan persyaratan klaim telah terpenuhi untuk
dibayar sedangkan lembaga penjamin kredit belum menerima imbal jasa penjaminan
dari pemerintah maka lembaga penjamin harus melakukan pembayaran atas tuntutan
klaim tersebut<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 20mm; text-indent: -21.25pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><img alt="*" height="12" src="file:///C:/Users/mika/AppData/Local/Temp/msohtmlclip1/01/clip_image003.gif" width="14" /><span style="font: 7.0pt "Times New Roman";">
</span></span><!--[endif]--><span lang="EN-US" style="font-family: "Frutiger 45 Light";">Secara
keseluruhan pembayaran klaim maksimum yang dapat dilakukan oleh lembaga
penjamin adalah sebesar maksimum dana penyertaan modal Negara (PMN) yang
ditempatkan pada lembaga penjamin ditambah hasil investasi dari modal PMN dan
imbalan jasa penjamin setelah dikurangi biaya operasional.<o:p></o:p></span></div>
Yusuf Arif Setiawanhttp://www.blogger.com/profile/11644313448106640269noreply@blogger.com21tag:blogger.com,1999:blog-2133123732905641044.post-91618768902549685952011-09-29T05:16:00.001+08:002011-09-29T05:20:14.365+08:00Kredit Usaha Rakyat Bank BTN<br />
<div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<b><span lang="EN-US" style="color: #0000cc; font-family: 'Cooper Std Black', serif; font-size: 12pt;">Skim Kredit Usaha Rakyat PT. BANK TABUNGAN NEGARA (PERSERO) TBK.<o:p></o:p></span></b></div>
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<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 17.45pt; mso-add-space: auto; mso-list: l3 level1 lfo2; text-indent: -18.0pt;">
<b><span lang="EN-US" style="color: #0000cc; font-family: 'Frutiger 45 Light';">A.<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span></b><b><span lang="EN-US" style="color: #0000cc; font-family: 'Frutiger 45 Light';">JENIS/TUJUAN
PENGGUNAAN :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 17.45pt; text-indent: 0mm;">
<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">Kredit Modal Kerja dan/atau Investasi bagi pemohon/calon
debitur yang menjalankan usaha produktif dalam kategori UMKM yang berbentuk
peorangan, badan usaha dan koperasi.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-indent: -36pt;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 115%; margin-left: 17.45pt; mso-add-space: auto; mso-list: l3 level1 lfo2; text-indent: -18.0pt;">
<b><span lang="EN-US" style="color: #0000cc; font-family: 'Frutiger 45 Light';">B.<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span></b><b><span lang="EN-US" style="color: #0000cc; font-family: 'Frutiger 45 Light';">KRITERIA
PENERIMA :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 35.45pt; text-indent: -14.15pt;">
<span lang="EN-US" style="font-family: Symbol;"><img alt="*" height="12" src="file:///C:\Users\mika\AppData\Local\Temp\msohtmlclip1\01\clip_image003.png" width="14" /><span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">Usaha produktif dalam
kategori UMKM pada sektor ekonomi perindustrian, perdagangan dan jasa yang dinilai
layak untuk dibiayai Bank, diutamakan industri perumahan (kredit konstruksi
perumahan) dan terkait sektor perumahan (kredit pendukung perumahan seperti
galian pasir dan batu, kayu komponen rumah, penutup atap, komponen lantai &
dinding, cat dan produk komplemennya, peralatan rumah tangga, furniture serta
yang memproduksi dan atau memperdagangkan komponen pembentuk rumah lainnya)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 35.45pt; text-indent: -14.15pt;">
<span lang="EN-US" style="font-family: Symbol;"><img alt="*" height="12" src="file:///C:\Users\mika\AppData\Local\Temp\msohtmlclip1\01\clip_image003.png" width="14" /><span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">Bukan merupakan usaha-usaha
yang dilarang oleh ketentuan dan peraturan perundangan yang berlaku dan tidak
terdapat informasi yang bersifat negatif<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 35.45pt; text-indent: -14.15pt;">
<span lang="EN-US" style="font-family: Symbol;"><img alt="*" height="12" src="file:///C:\Users\mika\AppData\Local\Temp\msohtmlclip1\01\clip_image003.png" width="14" /><span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">UMKM yang sudah berjalan
minimal 1 tahun serta memerlukan pengembangan atau peningkatan usaha dan
mempunyai prospek yang baik untuk dikembangkan<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 35.45pt; text-indent: -14.15pt;">
<span lang="EN-US" style="font-family: Symbol;"><img alt="*" height="12" src="file:///C:\Users\mika\AppData\Local\Temp\msohtmlclip1\01\clip_image003.png" width="14" /><span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">Usaha dalam kategori <i>feasible not bankable</i><o:p></o:p></span></div>
<div class="MsoNormal" style="text-indent: -35.45pt;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 115%; margin-left: 17.45pt; mso-add-space: auto; mso-list: l3 level1 lfo2; text-indent: -18.0pt;">
<b><span lang="EN-US" style="color: #0000cc; font-family: 'Frutiger 45 Light';">C.<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span></b><b><span lang="EN-US" style="color: #0000cc; font-family: 'Frutiger 45 Light';">PERSYARATAN
DAN KETENTUAN :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 35.45pt; mso-add-space: auto; mso-list: l7 level1 lfo4; text-indent: -14.15pt;">
<span lang="EN-US" style="font-family: Symbol;"><img alt="*" height="12" src="file:///C:\Users\mika\AppData\Local\Temp\msohtmlclip1\01\clip_image002.png" width="12" /><span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">Usaha Mikro, Usaha Kecil dan
Menengah perorangan :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 20mm; text-indent: -14.15pt;">
<span lang="EN-US" style="font-family: Symbol;"><img alt="*" height="12" src="file:///C:\Users\mika\AppData\Local\Temp\msohtmlclip1\01\clip_image004.png" width="12" /><span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">Surat permohonan KUR yang
ditandatangani pemohon dan istri/suami pemohon (apabila telah menikah)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 20mm; text-indent: -14.15pt;">
<span lang="EN-US" style="font-family: Symbol;"><img alt="*" height="12" src="file:///C:\Users\mika\AppData\Local\Temp\msohtmlclip1\01\clip_image004.png" width="12" /><span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">Menyerahkan dokumen
pendukung :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 54pt; text-indent: 2.7pt;">
<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">-<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">KTP
dan KK<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 54pt; text-indent: 2.7pt;">
<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">-<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">Surat
Nikah (bila telah menikah)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 70.9pt; text-indent: -14.2pt;">
<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">-<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">Perizinan Usaha (misal :
surat izin dari Dinas Pasar bila usahanya di pasar, surat keterangan minimal
Ketua RT/RW untuk lokasi usaha di lingkungan pemukiman dan sejenisnya)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 70.9pt; text-indent: -14.2pt;">
<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">-<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">Legalitas tempat usaha (bila
ada), misal : bukti hak atas tanah, perjanjian sewa atau lainnya<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 70.9pt; text-indent: -14.2pt;">
<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">-<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">Rincian peruntukan kredit<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 70.9pt; text-indent: -14.2pt;">
<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">-<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">Agunan (jika ada disyaratkan
bank)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 70.9pt; mso-add-space: auto; mso-list: l2 level1 lfo1; text-indent: -14.2pt;">
<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">-<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">NPWP (untuk kredit >
Rp.100 juta)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 35.45pt; mso-add-space: auto; mso-list: l7 level1 lfo4; text-indent: -14.15pt;">
<span lang="EN-US" style="font-family: Symbol;"><img alt="*" height="12" src="file:///C:\Users\mika\AppData\Local\Temp\msohtmlclip1\01\clip_image002.png" width="12" /><span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">Usaha Kecil dan Menengah
yang berbadan usaha dan koperasi :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 20mm; text-indent: -14.15pt;">
<span lang="EN-US" style="font-family: Symbol;"><img alt="*" height="12" src="file:///C:\Users\mika\AppData\Local\Temp\msohtmlclip1\01\clip_image004.png" width="12" /><span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">Surat permohonan KUR yang
ditandatangani Direksi atau ketua badan usaha<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 20mm; text-indent: -14.15pt;">
<span lang="EN-US" style="font-family: Symbol;"><img alt="*" height="12" src="file:///C:\Users\mika\AppData\Local\Temp\msohtmlclip1\01\clip_image004.png" width="12" /><span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">Menyerahkan dokumen
pendukung :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 54pt; text-indent: 2.7pt;">
<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">-<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">Akte
pendirian perusahaan sampai dengan perubahan terakhir<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 54pt; text-indent: 2.7pt;">
<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">-<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">NPWP<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 70.9pt; text-indent: -14.2pt;">
<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">-<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">Perijinan usaha sesuai
bidang usaha seperti SIUP, TDP dan sejenisnya atau sekurang-kurangnya memenuhi kriteria
perizinan usaha mikro<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 70.9pt; text-indent: -14.2pt;">
<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">-<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">Legalitas tempat usaha
(misal : bukti hak atas tanah, IMB, perjanjian sewa atau lainnya)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 70.9pt; text-indent: -14.2pt;">
<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">-<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">Laporan Keuangan terakhir
atau minimal catatan keuangan usaha sebagaimana persyaratan untuk Usaha Kecil
dan Menengah perorangan<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 70.9pt; text-indent: -14.2pt;">
<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">-<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">Rincian peruntukan kredit<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 70.9pt; text-indent: -14.2pt;">
<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">-<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">Agunan (jika ada disyaratkan
bank)<o:p></o:p></span></div>
<div class="MsoNormal" style="text-indent: -35.45pt;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 115%; margin-left: 17.45pt; mso-add-space: auto; mso-list: l3 level1 lfo2; text-indent: -18.0pt;">
<b><span lang="EN-US" style="color: #0000cc; font-family: 'Frutiger 45 Light';">D.<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span></b><b><span lang="EN-US" style="color: #0000cc; font-family: 'Frutiger 45 Light';">PLAFOND :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 42.55pt; text-indent: -21.25pt;">
<span lang="EN-US" style="font-family: Symbol;"><img alt="*" height="12" src="file:///C:\Users\mika\AppData\Local\Temp\msohtmlclip1\01\clip_image004.png" width="12" /><span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">Sampai
dengan Rp.500 juta.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 42.55pt; text-indent: -21.25pt;">
<span lang="EN-US" style="font-family: Symbol;"><img alt="*" height="12" src="file:///C:\Users\mika\AppData\Local\Temp\msohtmlclip1\01\clip_image004.png" width="12" /><span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">Maksimal
pembiayaan tidak melampaui 80% dari kebutuhan modal kerja untuk KUR Modal Kerja
dan tidak melampaui 70% dari total biaya investasi untuk KUR Investasi.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-indent: -35.45pt;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 115%; margin-left: 17.45pt; mso-add-space: auto; mso-list: l3 level1 lfo2; text-indent: -18.0pt;">
<b><span lang="EN-US" style="color: #0000cc; font-family: 'Frutiger 45 Light';">E.<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span></b><b><span lang="EN-US" style="color: #0000cc; font-family: 'Frutiger 45 Light';">SIFAT KREDIT :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 17.45pt; text-indent: 0mm;">
<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">Non revolving (adplofend atau bertahap)<o:p></o:p></span></div>
<div class="MsoNormal" style="text-indent: -36pt;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 115%; margin-left: 17.45pt; mso-add-space: auto; mso-list: l3 level1 lfo2; text-indent: -18.0pt;">
<b><span lang="EN-US" style="color: #0000cc; font-family: 'Frutiger 45 Light';">F.<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span></b><b><span lang="EN-US" style="color: #0000cc; font-family: 'Frutiger 45 Light';">JANGKA WAKTU :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 42.55pt; text-indent: -21.25pt;">
<span lang="EN-US" style="font-family: Symbol;"><img alt="*" height="12" src="file:///C:\Users\mika\AppData\Local\Temp\msohtmlclip1\01\clip_image004.png" width="12" /><span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">KUR
KMK :s.d. 3 tahun<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 42.55pt; text-indent: -21.25pt;">
<span lang="EN-US" style="font-family: Symbol;"><img alt="*" height="12" src="file:///C:\Users\mika\AppData\Local\Temp\msohtmlclip1\01\clip_image004.png" width="12" /><span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">KUR
KI :s.d. 5 tahun dan dimungkinkan grace
period pokok/bunga.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-indent: -35.45pt;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 115%; margin-left: 17.45pt; mso-add-space: auto; mso-list: l3 level1 lfo2; text-indent: -18.0pt;">
<b><span lang="EN-US" style="color: #0000cc; font-family: 'Frutiger 45 Light';">G.<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span></b><b><span lang="EN-US" style="color: #0000cc; font-family: 'Frutiger 45 Light';">BUNGA :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 17.45pt; text-indent: 0mm;">
<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">Maksimum 14% per tahun (efektif) – adjustable rate<o:p></o:p></span></div>
<div class="MsoNormal" style="text-indent: -36pt;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 115%; margin-left: 17.45pt; mso-add-space: auto; mso-list: l3 level1 lfo2; text-indent: -18.0pt;">
<b><span lang="EN-US" style="color: #0000cc; font-family: 'Frutiger 45 Light';">H.<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span></b><b><span lang="EN-US" style="color: #0000cc; font-family: 'Frutiger 45 Light';">AGUNAN :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 42.55pt; text-indent: -21.25pt;">
<span lang="EN-US" style="font-family: Symbol;"><img alt="*" height="12" src="file:///C:\Users\mika\AppData\Local\Temp\msohtmlclip1\01\clip_image004.png" width="12" /><span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">Agunan
pokok adalah proyek/usaha yang dibiayai oleh bank<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 42.55pt; text-indent: -21.25pt;">
<span lang="EN-US" style="font-family: Symbol;"><img alt="*" height="12" src="file:///C:\Users\mika\AppData\Local\Temp\msohtmlclip1\01\clip_image004.png" width="12" /><span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">Bank
dapat meminta agunan tambahan sesuai pertimbangan bank<o:p></o:p></span></div>
<div class="MsoNormal" style="text-indent: -35.45pt;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 115%; margin-left: 17.45pt; mso-add-space: auto; mso-list: l3 level1 lfo2; text-indent: -18.0pt;">
<b><span lang="EN-US" style="color: #0000cc; font-family: 'Frutiger 45 Light';">I.<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span></b><b><span lang="EN-US" style="color: #0000cc; font-family: 'Frutiger 45 Light';">BIAYA :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 42.55pt; text-indent: -21.25pt;">
<span lang="EN-US" style="font-family: Symbol;"><img alt="*" height="12" src="file:///C:\Users\mika\AppData\Local\Temp\msohtmlclip1\01\clip_image003.png" width="14" /><span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">Biaya
Provisi 1%<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 42.55pt; text-indent: -21.25pt;">
<span lang="EN-US" style="font-family: Symbol;"><img alt="*" height="12" src="file:///C:\Users\mika\AppData\Local\Temp\msohtmlclip1\01\clip_image003.png" width="14" /><span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">Biaya
notaris/PPAT/Legal fee<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 42.55pt; text-indent: -21.25pt;">
<span lang="EN-US" style="font-family: Symbol;"><img alt="*" height="12" src="file:///C:\Users\mika\AppData\Local\Temp\msohtmlclip1\01\clip_image003.png" width="14" /><span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">Biaya
administrasi penjaminan 0,1</span><span lang="EN-US" style="font-family: 'Times New Roman', serif;">‰
</span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">dari plafond
kredit dan bea materai sesuai ketentuan.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 17.45pt; text-indent: 0mm;">
<br /></div>
<table border="0" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; width: 546px;">
<tbody>
<tr>
<td style="background: #4F81BD; padding: 0mm 5.4pt 0mm 5.4pt; width: 196.8pt;" width="262"><div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<b><span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 8pt;">DOKUMEN<o:p></o:p></span></b></div>
</td>
<td style="background: #4F81BD; padding: 0mm 5.4pt 0mm 5.4pt; width: 42.5pt;" width="57"><div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<b><span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 8pt;">USAHA </span></b><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 8pt;"><o:p></o:p></span></b></div>
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<b><span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 8pt;">MIKRO<o:p></o:p></span></b></div>
</td>
<td style="background: #4F81BD; padding: 0mm 5.4pt 0mm 5.4pt; width: 30.0mm;" width="113"><div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<b><span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 8pt;">UMKM </span></b><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 8pt;"><o:p></o:p></span></b></div>
<div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<b><span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 8pt;">PERORANGAN<o:p></o:p></span></b></div>
</td>
<td style="background: #4F81BD; padding: 0mm 5.4pt 0mm 5.4pt; width: 30.0mm;" width="113"><div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<b><span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 8pt;">UMKM BERBADAN
USAHA<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="background: #DBE5F1; padding: 0mm 5.4pt 0mm 5.4pt; width: 196.8pt;" valign="top" width="262"><div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 8pt;">Menyerahkan surat
permohonan yang ditandatangani pemohon dan istri/suami pemohon (apabila telah
menikah)<o:p></o:p></span></div>
</td>
<td style="background: #DBE5F1; padding: 0mm 5.4pt 0mm 5.4pt; width: 42.5pt;" width="57"><div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<b><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 8pt;">√</span></b><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 8pt;"><o:p></o:p></span></b></div>
</td>
<td style="background: #DBE5F1; padding: 0mm 5.4pt 0mm 5.4pt; width: 30.0mm;" width="113"><div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<b><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 8pt;">√</span></b><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 8pt;"><o:p></o:p></span></b></div>
</td>
<td style="background: #DBE5F1; padding: 0mm 5.4pt 0mm 5.4pt; width: 30.0mm;" width="113"><div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
</tr>
<tr>
<td style="background: #B8CCE4; padding: 0mm 5.4pt 0mm 5.4pt; width: 196.8pt;" valign="top" width="262"><div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 8pt;">Menyerahkan surat
permohonan yang ditandatangani oleh Direksi atau Ketua Badan Usaha<o:p></o:p></span></div>
</td>
<td style="background: #B8CCE4; padding: 0mm 5.4pt 0mm 5.4pt; width: 42.5pt;" width="57"><div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
<td style="background: #B8CCE4; padding: 0mm 5.4pt 0mm 5.4pt; width: 30.0mm;" width="113"><div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
<td style="background: #B8CCE4; padding: 0mm 5.4pt 0mm 5.4pt; width: 30.0mm;" width="113"><div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<b><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 8pt;">√</span></b><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 8pt;"><o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="background: #DBE5F1; padding: 0mm 5.4pt 0mm 5.4pt; width: 196.8pt;" valign="top" width="262"><div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 8pt;">Akte pendirian
usaha sampai dengan perubahan terakhir<o:p></o:p></span></div>
</td>
<td style="background: #DBE5F1; padding: 0mm 5.4pt 0mm 5.4pt; width: 42.5pt;" width="57"><div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
<td style="background: #DBE5F1; padding: 0mm 5.4pt 0mm 5.4pt; width: 30.0mm;" width="113"><div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
<td style="background: #DBE5F1; padding: 0mm 5.4pt 0mm 5.4pt; width: 30.0mm;" width="113"><div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<b><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 8pt;">√</span></b><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 8pt;"><o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="background: #B8CCE4; padding: 0mm 5.4pt 0mm 5.4pt; width: 196.8pt;" valign="top" width="262"><div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 8pt;">KK dan KTP<o:p></o:p></span></div>
</td>
<td style="background: #B8CCE4; padding: 0mm 5.4pt 0mm 5.4pt; width: 42.5pt;" width="57"><div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<b><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 8pt;">√</span></b><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 8pt;"><o:p></o:p></span></b></div>
</td>
<td style="background: #B8CCE4; padding: 0mm 5.4pt 0mm 5.4pt; width: 30.0mm;" width="113"><div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<b><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 8pt;">√</span></b><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 8pt;"><o:p></o:p></span></b></div>
</td>
<td style="background: #B8CCE4; padding: 0mm 5.4pt 0mm 5.4pt; width: 30.0mm;" width="113"><div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
</tr>
<tr>
<td style="background: #DBE5F1; padding: 0mm 5.4pt 0mm 5.4pt; width: 196.8pt;" valign="top" width="262"><div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 8pt;">Surat Nikah
(apabila telah menikah)<o:p></o:p></span></div>
</td>
<td style="background: #DBE5F1; padding: 0mm 5.4pt 0mm 5.4pt; width: 42.5pt;" width="57"><div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<b><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 8pt;">√</span></b><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 8pt;"><o:p></o:p></span></b></div>
</td>
<td style="background: #DBE5F1; padding: 0mm 5.4pt 0mm 5.4pt; width: 30.0mm;" width="113"><div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<b><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 8pt;">√</span></b><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 8pt;"><o:p></o:p></span></b></div>
</td>
<td style="background: #DBE5F1; padding: 0mm 5.4pt 0mm 5.4pt; width: 30.0mm;" width="113"><div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
</tr>
<tr>
<td style="background: #B8CCE4; padding: 0mm 5.4pt 0mm 5.4pt; width: 196.8pt;" valign="top" width="262"><div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 8pt;">NPWP<o:p></o:p></span></div>
</td>
<td style="background: #B8CCE4; padding: 0mm 5.4pt 0mm 5.4pt; width: 42.5pt;" width="57"><div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
<td style="background: #B8CCE4; padding: 0mm 5.4pt 0mm 5.4pt; width: 30.0mm;" width="113"><div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<b><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 8pt;">√</span></b><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 8pt;"><o:p></o:p></span></b></div>
</td>
<td style="background: #B8CCE4; padding: 0mm 5.4pt 0mm 5.4pt; width: 30.0mm;" width="113"><div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<b><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 8pt;">√</span></b><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 8pt;"><o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="background: #DBE5F1; padding: 0mm 5.4pt 0mm 5.4pt; width: 196.8pt;" valign="top" width="262"><div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 8pt;">Perijinan usaha
sesuai bidang usaha seperti SIUP, TDP dan sejenisnya atau sekurang-kurangnya
memenuhi perizinan usaha mikro<o:p></o:p></span></div>
</td>
<td style="background: #DBE5F1; padding: 0mm 5.4pt 0mm 5.4pt; width: 42.5pt;" width="57"><div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
<td style="background: #DBE5F1; padding: 0mm 5.4pt 0mm 5.4pt; width: 30.0mm;" width="113"><div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<b><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 8pt;">√</span></b><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 8pt;"><o:p></o:p></span></b></div>
</td>
<td style="background: #DBE5F1; padding: 0mm 5.4pt 0mm 5.4pt; width: 30.0mm;" width="113"><div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<b><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 8pt;">√</span></b><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 8pt;"><o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="background: #B8CCE4; padding: 0mm 5.4pt 0mm 5.4pt; width: 196.8pt;" valign="top" width="262"><div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 8pt;">Perijinan usaha
dari dinas pasar bila usahanya dipasar<o:p></o:p></span></div>
</td>
<td style="background: #B8CCE4; padding: 0mm 5.4pt 0mm 5.4pt; width: 42.5pt;" width="57"><div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<b><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 8pt;">√</span></b><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 8pt;"><o:p></o:p></span></b></div>
</td>
<td style="background: #B8CCE4; padding: 0mm 5.4pt 0mm 5.4pt; width: 30.0mm;" width="113"><div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
<td style="background: #B8CCE4; padding: 0mm 5.4pt 0mm 5.4pt; width: 30.0mm;" width="113"><div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
</tr>
<tr>
<td style="background: #DBE5F1; padding: 0mm 5.4pt 0mm 5.4pt; width: 196.8pt;" valign="top" width="262"><div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 8pt;">Surat keterangan
Ketua RT/RW untuk lokasi usaha di lingkungan pemukiman<o:p></o:p></span></div>
</td>
<td style="background: #DBE5F1; padding: 0mm 5.4pt 0mm 5.4pt; width: 42.5pt;" width="57"><div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<b><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 8pt;">√</span></b><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 8pt;"><o:p></o:p></span></b></div>
</td>
<td style="background: #DBE5F1; padding: 0mm 5.4pt 0mm 5.4pt; width: 30.0mm;" width="113"><div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
<td style="background: #DBE5F1; padding: 0mm 5.4pt 0mm 5.4pt; width: 30.0mm;" width="113"><div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
</tr>
<tr>
<td style="background: #B8CCE4; padding: 0mm 5.4pt 0mm 5.4pt; width: 196.8pt;" valign="top" width="262"><div class="MsoListParagraphCxSpFirst" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 8pt;">Legalitas tempat
usaha bila ada, misalnya bukti atas tanah, IMB, perjanjian sewa atau lainnya<o:p></o:p></span></div>
</td>
<td style="background: #B8CCE4; padding: 0mm 5.4pt 0mm 5.4pt; width: 42.5pt;" width="57"><div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<br /></div>
</td>
<td style="background: #B8CCE4; padding: 0mm 5.4pt 0mm 5.4pt; width: 30.0mm;" width="113"><div align="center" class="MsoListParagraphCxSpMiddle" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<b><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 8pt;">√</span></b><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 8pt;"><o:p></o:p></span></b></div>
</td>
<td style="background: #B8CCE4; padding: 0mm 5.4pt 0mm 5.4pt; width: 30.0mm;" width="113"><div align="center" class="MsoListParagraphCxSpLast" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<b><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 8pt;">√</span></b><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 8pt;"><o:p></o:p></span></b></div>
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<span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 8pt;">Laporan keuangan
terakhir atau minimal catatan keuangan usaha sebagaimana persyaratan untuk
Usaha Kecil dan Menengah Perorangan<o:p></o:p></span></div>
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<b><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 8pt;">√</span></b><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 8pt;"><o:p></o:p></span></b></div>
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<span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 8pt;">Rincian peruntukan
kredit<o:p></o:p></span></div>
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<b><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 8pt;">√</span></b><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 8pt;"><o:p></o:p></span></b></div>
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<span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 8pt;">Catatan keuangan
usaha berupa kwitansi, faktur, bon pembukuan, Rekening Koran dan sejenisnya<o:p></o:p></span></div>
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<b><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 8pt;">√</span></b><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 8pt;"><o:p></o:p></span></b></div>
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<span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 8pt;">Pemohon belum
pernah mendapatkan fasilitas kredit darii bank<o:p></o:p></span></div>
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<b><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 8pt;">√</span></b><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 8pt;"><o:p></o:p></span></b></div>
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<b><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 8pt;">√</span></b><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 8pt;"><o:p></o:p></span></b></div>
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Yusuf Arif Setiawanhttp://www.blogger.com/profile/11644313448106640269noreply@blogger.com7tag:blogger.com,1999:blog-2133123732905641044.post-79626732416633443862011-09-29T05:10:00.001+08:002011-10-12T11:27:49.010+08:00Kredit Usaha Rakyat BNI<div style="text-indent: 0px;">
<span style="text-indent: -48px;"><span lang="EN-US">Skim Kredit Usaha Rakyat Bank BNI</span><span lang="EN-US" style="color: #e36c0a; font-family: 'Cooper Std Black', serif; font-size: 12pt; font-weight: bold;"> </span></span></div>
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<b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">A.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span></b><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">TUJUAN PENGGUNAAN</span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';"> :<o:p></o:p></span></b></div>
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<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">Usaha produktif yang tidak bertentangan dengan undang-undang yang berlaku<o:p></o:p></span></div>
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<b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">B.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span></b><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">JENIS KREDIT :<o:p></o:p></span></b><br />
<span style="font-family: 'Frutiger 45 Light';">1. KMK Aflopend</span><br />
<span style="font-family: 'Frutiger 45 Light';">2. KMK Transaksional</span><br />
<span style="font-family: 'Frutiger 45 Light';">3. Kredit Investasi</span></div>
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<b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">C.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span></b><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">SIFAT/BENTUK KREDIT :<o:p></o:p></span></b><br />
<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">1. KMK Aflopend Annuitas</span><br />
<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">2. KMK Clean Up System</span><br />
<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">3. KI Efektif Menurun</span></div>
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<b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">D.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span></b><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">SUKU BUNGA :<o:p></o:p></span></b><br />
<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">1. </span><span style="font-family: 'Frutiger 45 Light';">KUR Mikro : maksimal 22% efektif per tahun</span><br />
<span style="font-family: 'Frutiger 45 Light';">2. </span><span style="font-family: 'Frutiger 45 Light';">KUR Ritel : maksimal 14% efektif per tahun</span></div>
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<b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">E.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span></b><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">PLAFOND KREDIT :<o:p></o:p></span></b><br />
<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">1. </span><span style="font-family: 'Frutiger 45 Light';">KUR Mikro : Rp.5 juta s.d. Rp.20 juta</span><br />
<span style="font-family: 'Frutiger 45 Light';">2. </span><span style="font-family: 'Frutiger 45 Light';">KUR Ritel : diatas Rp.20 juta s.d. Rp.500 juta</span></div>
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<b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">F.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span></b><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">JANGKA WAKTU :<o:p></o:p></span></b></div>
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<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">1. </span><span style="font-family: 'Frutiger 45 Light';">KMK : Maksimal 3 tahun, dapat diperpanjang maksimal 6 tahun</span></div>
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<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">2. </span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">KI : Maksimal 5 tahun, dapat diperpanjang maksimal 10 tahun bila perlu </span><span style="font-family: 'Frutiger 45 Light';">Dapat diberikan Grace period maksimal 12 bulan.</span></div>
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<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">3. </span><span style="font-family: 'Frutiger 45 Light';">KI Perkebunan Tanaman Keras : Maksimal 13 tahun, dapat diberikan grace period maksimal 7 tahun.</span></div>
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<b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">G.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span></b><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">SELF FINANCING :<o:p></o:p></span></b></div>
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<i><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">Self financing</span></i><span lang="EN-US" style="font-family: 'Frutiger 45 Light';"> atau dana sendiri untuk Kredit Investasi di atas Rp.50 juta minimal sebesar 10%<o:p></o:p></span></div>
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<b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">H.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span></b><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">PROVISI & COMITMENT FEE :<o:p></o:p></span></b></div>
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<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">Tidak dikenakan<o:p></o:p></span></div>
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<b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">I.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span></b><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">BIAYA ADMINISTRASI :<o:p></o:p></span></b></div>
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<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">Tidak dikenakan<o:p></o:p></span></div>
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<b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">J.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span></b><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">DENDA TUNGGAKAN :<o:p></o:p></span></b></div>
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<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">Sebesar 5% per tahun atas saldo yang tertunggak<o:p></o:p></span></div>
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<b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">K.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span></b><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">ASURANSI KERUGIAN :<o:p></o:p></span></b></div>
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<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">Agunan pokok dan atau tambahan yang <i>insurable</i> harus diasuransikan pada perusahaan rekanan dengan <i>bankers clause</i>, premi atas beban debitur<o:p></o:p></span></div>
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<b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">L.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span></b><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">PENJAMINAN KREDIT :<o:p></o:p></span></b></div>
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<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">Kredit yang diberikan dijamin oleh Perusahaan Penjaminan PT. Asuransi Kredit Indonesia (ASKRINDO) atau Perusahaan Umum Jaminan Kredit Indonesia (JAMKRINDO)<o:p></o:p></span></div>
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<b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">M.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span></b><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">AGUNAN :<o:p></o:p></span></b><br />
<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">a. </span><span style="font-family: 'Frutiger 45 Light';">Agunan Pokok : Kelayakan usaha dan objek yang dibiayai debitur</span><br />
<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">b. </span><span style="font-family: 'Frutiger 45 Light';">Agunan tambahan : Minimal senilai 30% dari maksimum kredit</span><br />
<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">c. </span><span style="font-family: 'Frutiger 45 Light';">Ketentuan agunan tambahan untuk KUR mikro minimal sebesar 20% dari maksimum kredit</span><br />
<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">d. </span><span style="font-family: 'Frutiger 45 Light';">Pengikatan agunan sesuai ketentuan yang berlaku</span></div>
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<b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">N.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span></b><b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">KRITERIA & PERSYARATAN CALON DEBITUR :<o:p></o:p></span></b></div>
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<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">1. </span><span style="font-family: 'Frutiger 45 Light';">Tidak sedang menikmati fasilitas KMK dan atau KI dari perbankan serta kredit program dari pemerintah yang dibuktikan dengan SID Bank Indonesia, kecuali telah terbukti lunas/telah ada surat keterangan roya</span></div>
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<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">2. </span><span style="font-family: 'Frutiger 45 Light';">Tidak terdaftar dalam </span><i style="font-family: 'Frutiger 45 Light';">blacklist</i><span style="font-family: 'Frutiger 45 Light';"> Bank Indonesia</span></div>
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<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">3. </span><span style="font-family: 'Frutiger 45 Light';">Memiliki Izin Usaha Lengkap minimal Surat Keterangan Usaha dari Kelurahan atau Kecamatan (untuk maksimum < Rp.150 juta)</span></div>
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<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">4. </span><span lang="EN-US" style="font-family: Symbol;"><span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">Wajib memiliki NPWP (untuk maksimum > Rp.50 juta)</span></div>
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<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">5. </span><span style="font-family: 'Frutiger 45 Light';">Identitas diri berupa fotokopi KTP dan Kartu Keluarga</span></div>
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<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">6. </span><span style="font-family: 'Frutiger 45 Light';">Pengalaman dibidang usaha minimal 1 tahun.</span></div>
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<b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">JENIS DOKUMEN<o:p></o:p></span></b></div>
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<b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">PERORANGAN<o:p></o:p></span></b></div>
</td> <td style="background: #FD958D; padding: 0mm 5.4pt 0mm 5.4pt; width: 60.85pt;" valign="top" width="81"><div align="center" class="MsoNormal" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<b><span lang="EN-US" style="font-family: 'Frutiger 45 Light';">BADAN USAHA<o:p></o:p></span></b></div>
</td> </tr>
<tr> <td style="background: #FDE9D9; padding: 0mm 5.4pt 0mm 5.4pt; width: 297.0pt;" valign="top" width="396"><div class="MsoNormal" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">Fotokopi KTP dan KK<o:p></o:p></span></div>
</td> <td style="background: #FDE9D9; padding: 0mm 5.4pt 0mm 5.4pt; width: 78.4pt;" valign="top" width="105"><div align="center" class="MsoNormal" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: Arial, sans-serif;">√</span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';"><o:p></o:p></span></div>
</td> <td style="background: #FDE9D9; padding: 0mm 5.4pt 0mm 5.4pt; width: 60.85pt;" valign="top" width="81"><div align="center" class="MsoNormal" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: Arial, sans-serif;">√</span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';"><o:p></o:p></span></div>
</td> </tr>
<tr> <td style="background: #FBD4B4; padding: 0mm 5.4pt 0mm 5.4pt; width: 297.0pt;" valign="top" width="396"><div class="MsoNormal" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">Fotokopi Surat Nikah (bagi yang sudah menikah)<o:p></o:p></span></div>
</td> <td style="background: #FBD4B4; padding: 0mm 5.4pt 0mm 5.4pt; width: 78.4pt;" valign="top" width="105"><div align="center" class="MsoNormal" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: Arial, sans-serif;">√</span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';"><o:p></o:p></span></div>
</td> <td style="background: #FBD4B4; padding: 0mm 5.4pt 0mm 5.4pt; width: 60.85pt;" valign="top" width="81"><div align="center" class="MsoNormal" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">-<o:p></o:p></span></div>
</td> </tr>
<tr> <td style="background: #FDE9D9; padding: 0mm 5.4pt 0mm 5.4pt; width: 297.0pt;" valign="top" width="396"><div class="MsoNormal" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">Surat Ijin Usaha (SIUP, TDP, SITU, HO) atau keterangan usaha dari Kelurahan/Kecamatan<o:p></o:p></span></div>
</td> <td style="background: #FDE9D9; padding: 0mm 5.4pt 0mm 5.4pt; width: 78.4pt;" valign="top" width="105"><div align="center" class="MsoNormal" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: Arial, sans-serif;">√</span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';"><o:p></o:p></span></div>
</td> <td style="background: #FDE9D9; padding: 0mm 5.4pt 0mm 5.4pt; width: 60.85pt;" valign="top" width="81"><div align="center" class="MsoNormal" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: Arial, sans-serif;">√</span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';"><o:p></o:p></span></div>
</td> </tr>
<tr> <td style="background: #FBD4B4; padding: 0mm 5.4pt 0mm 5.4pt; width: 297.0pt;" valign="top" width="396"><div class="MsoNormal" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">Fotokopi dokumen jaminan untuk kredit di atas Rp.5 juta <sup>*)</sup><o:p></o:p></span></div>
</td> <td style="background: #FBD4B4; padding: 0mm 5.4pt 0mm 5.4pt; width: 78.4pt;" valign="top" width="105"><div align="center" class="MsoNormal" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: Arial, sans-serif;">√</span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';"><o:p></o:p></span></div>
</td> <td style="background: #FBD4B4; padding: 0mm 5.4pt 0mm 5.4pt; width: 60.85pt;" valign="top" width="81"><div align="center" class="MsoNormal" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: Arial, sans-serif;">√</span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';"><o:p></o:p></span></div>
</td> </tr>
<tr> <td style="background: #FDE9D9; padding: 0mm 5.4pt 0mm 5.4pt; width: 297.0pt;" valign="top" width="396"><div class="MsoNormal" style="margin-left: 0mm; text-indent: 0mm;">
<span lang="EN-US" style="font-family: 'Frutiger 45 Light';">Bukti pembayaran listrik, telepon dan PAM 3 bulan terakhir<o:p></o:p></span></div>
</td> <td style="background: #FDE9D9; padding: 0mm 5.4pt 0mm 5.4pt; width: 78.4pt;" valign="top" width="105"><div align="center" class="MsoNormal" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: Arial, sans-serif;">√</span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';"><o:p></o:p></span></div>
</td> <td style="background: #FDE9D9; padding: 0mm 5.4pt 0mm 5.4pt; width: 60.85pt;" valign="top" width="81"><div align="center" class="MsoNormal" style="margin-left: 0mm; text-align: center; text-indent: 0mm;">
<span lang="EN-US" style="font-family: Arial, sans-serif;">√</span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';"><o:p></o:p></span></div>
</td> </tr>
</tbody></table>
<div class="MsoNormal" style="text-indent: -7.1pt;">
<br /></div>
<div class="MsoNormal" style="text-indent: -7.1pt;">
<span lang="EN-US" style="font-family: 'Frutiger 45 Light'; font-size: 10pt;">*) Bukti kepemilikan tanah, IMB dan PBB atau BPKB</span><span lang="EN-US" style="font-family: 'Frutiger 45 Light';"><o:p></o:p></span></div>
Yusuf Arif Setiawanhttp://www.blogger.com/profile/11644313448106640269noreply@blogger.com1tag:blogger.com,1999:blog-2133123732905641044.post-685443233348488542011-09-29T05:04:00.000+08:002011-09-29T06:04:28.368+08:00Kredit Usaha Rakyat BRI<b style="text-indent: -47px;"><span lang="EN-US" style="color: #0070c0; font-family: 'Book Antiqua', serif; font-size: 12pt; line-height: 150%;">Skim Kredit Usaha Rakyat BANK RAKYAT INDONESIA (PERSERO) TBK</span></b><br />
<div class="MsoNormal" style="text-indent: -35.45pt;">
<b><span lang="EN-US" style="color: #0070c0; font-family: 'Book Antiqua', serif; font-size: 12pt; line-height: 150%;"><br /></span></b></div>
<div class="MsoListParagraphCxSpFirst" style="margin-left: 18.0pt; mso-add-space: auto; mso-list: l14 level1 lfo1; text-indent: -18.0pt;">
<b><span lang="EN-US" style="font-family: 'Bodoni MT Black', serif;">I.<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span></b><b><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">PROGRAM KUR MIKRO<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpFirst" style="margin-left: 18.0pt; mso-add-space: auto; mso-list: l14 level1 lfo1; text-indent: -18.0pt;">
<b><span lang="EN-US" style="font-family: 'Book Antiqua', serif;"><br /></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 18.0pt; mso-add-space: auto; mso-list: l8 level1 lfo2; text-indent: -18.0pt;">
<b><span lang="EN-US" style="color: #365f91; font-family: 'Book Antiqua', serif;">A.<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span></b><b><span lang="EN-US" style="color: #365f91; font-family: 'Book Antiqua', serif;">JENIS/TUJUAN
PENGGUNAAN KUR :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 18pt; text-indent: 0mm;">
<span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Tambahan Modal Kerja dan atau Investasi<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 18pt; text-indent: 0mm;">
<span lang="EN-US" style="font-family: 'Book Antiqua', serif;"><br /></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 18.0pt; mso-add-space: auto; mso-list: l8 level1 lfo2; text-indent: -18.0pt;">
<b><span lang="EN-US" style="color: #365f91; font-family: 'Book Antiqua', serif;">B.<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span></b><b><span lang="EN-US" style="color: #365f91; font-family: 'Book Antiqua', serif;">KRITERIA
PENERIMA :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="text-indent: -13.5pt;">
</div>
<ul>
<li><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Mempunyai
Usaha yang layak untuk diberikan KUR</span></li>
<li><i><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Feasible</span></i><span lang="EN-US" style="font-family: 'Book Antiqua', serif;"> namun belum <i>bankable</i></span></li>
</ul>
<b style="text-indent: -24px;"><span lang="EN-US" style="color: #365f91; font-family: 'Book Antiqua', serif;">C.<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span></b><b style="text-indent: -24px;"><span lang="EN-US" style="color: #365f91; font-family: 'Book Antiqua', serif;">PERSYARATAN
:</span></b><br />
<div class="MsoListParagraphCxSpMiddle" style="text-indent: -13.5pt;">
</div>
<ul>
<li><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Permohonan
kredit dilampiri dengan Surat Keterangan Usaha dari Kelurahan/Kepala
Desa/Kepala Pasar, Fotokopi KTP dan Kartu Keluarga, Pas foto.</span></li>
<li><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Tidak
sedang menerima kredit atau pembiayaan KUR dari bank lain</span></li>
</ul>
<b style="line-height: 18px; text-indent: -24px;"><span lang="EN-US" style="color: #365f91; font-family: 'Book Antiqua', serif;">D.<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span></b><b style="line-height: 18px; text-indent: -24px;"><span lang="EN-US" style="color: #365f91; font-family: 'Book Antiqua', serif;">PLAFOND :</span></b><br />
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 18pt; text-indent: 0mm;">
<span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Maksimal Rp.20 juta (total eksposure)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 18pt; text-indent: 0mm;">
<span lang="EN-US" style="font-family: 'Book Antiqua', serif;"><br /></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 18.0pt; mso-add-space: auto; mso-list: l8 level1 lfo2; text-indent: -18.0pt;">
<b><span lang="EN-US" style="color: #365f91; font-family: 'Book Antiqua', serif;">E.<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span></b><b><span lang="EN-US" style="color: #365f91; font-family: 'Book Antiqua', serif;">JANGKA
WAKTU :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="text-indent: -13.5pt;">
</div>
<ul>
<li><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Kredit Modal Kerja : maks. 3 tahun, perpanjangan maks. 6
tahun</span></li>
<li><span lang="EN-US" style="font-family: Wingdings;"><span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Kredit Investasi : maks. 5 tahun, perpanjangan
maks. 10 tahun </span><span style="font-family: 'Book Antiqua', serif; text-indent: -228px;">(terhitung
sejak tanggal perjanjian awal)</span></li>
</ul>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 18.0pt; mso-add-space: auto; mso-list: l8 level1 lfo2; text-indent: -18.0pt;">
<b><span lang="EN-US" style="color: #365f91; font-family: 'Book Antiqua', serif;">F.<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span></b><b><span lang="EN-US" style="color: #365f91; font-family: 'Book Antiqua', serif;">SUKU BUNGA
:<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="text-indent: -13.5pt;">
</div>
<ul>
<li><span lang="EN-US" style="font-family: Symbol;"><span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Jangka
waktu 6 bulan : suku bunga
flat/bulan 1,085</span></li>
<li><span lang="EN-US" style="font-family: Symbol;"><span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Jangka
waktu 12 bulan : suku bunga flat/bulan
1,025</span></li>
<li><span lang="EN-US" style="font-family: Symbol;"><span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Jangka
waktu 18 bulan : suku bunga flat/bulan
1,015</span></li>
<li><span lang="EN-US" style="font-family: Symbol;"><span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Jangka
waktu 24 bulan : suku bunga flat/bulan
1,020</span></li>
<li><span lang="EN-US" style="font-family: Symbol;"><span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Jangka
waktu 36 bulan : suku bunga flat/bulan
1,040</span></li>
<li><span lang="EN-US" style="font-family: Symbol;"><span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Jangka
waktu 48 bulan : suku bunga flat/bulan
1,065</span></li>
<li><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Jangka
waktu 60 bulan : suku bunga flat/bulan
1,095</span></li>
</ul>
<br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 18.0pt; mso-add-space: auto; mso-list: l8 level1 lfo2; text-indent: -18.0pt;">
<b><span lang="EN-US" style="color: #365f91; font-family: 'Book Antiqua', serif;">G.<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span></b><b><span lang="EN-US" style="color: #365f91; font-family: 'Book Antiqua', serif;">AGUNAN :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 18pt; text-indent: 0mm;">
<span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Usaha yang dikelola calon debitur.</span><span lang="EN-US" style="font-family: 'Book Antiqua', serif;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 18pt; text-indent: 0mm;">
<b style="text-indent: -28px;"><span lang="EN-US" style="font-family: 'Bodoni MT Black', serif;"><br /></span></b><br />
<b style="text-indent: -28px;"><span lang="EN-US" style="font-family: 'Bodoni MT Black', serif;">II.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span></b><b style="text-indent: -28px;"><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">PROGRAM
KUR RITEL</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 21.3pt; mso-add-space: auto; mso-list: l14 level1 lfo1; text-indent: -21.3pt;">
<b><span lang="EN-US" style="font-family: 'Book Antiqua', serif;"><br /></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 14.2pt; mso-add-space: auto; mso-list: l3 level1 lfo7; text-indent: -14.2pt;">
<b><span lang="EN-US" style="color: #0070c0; font-family: 'Book Antiqua', serif;">A.<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span></b><b><span lang="EN-US" style="color: #0070c0; font-family: 'Book Antiqua', serif;">JENIS/TUJUAN
PENGGUNAAN KUR</span></b><span lang="EN-US" style="color: #0070c0; font-family: 'Book Antiqua', serif;"> <b>:</b><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 31.5pt; text-indent: -18pt;">
<span lang="EN-US" style="font-family: 'Book Antiqua', serif;">1.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Kredit Modal Kerja<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 31.5pt; text-indent: -18pt;">
<span lang="EN-US" style="font-family: 'Book Antiqua', serif;">2.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Kredit Investasi<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 31.5pt; text-indent: -18pt;">
<span lang="EN-US" style="font-family: 'Book Antiqua', serif;"><br /></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 14.2pt; mso-add-space: auto; mso-list: l3 level1 lfo7; text-indent: -14.2pt;">
<b><span lang="EN-US" style="color: #0070c0; font-family: 'Book Antiqua', serif;">B.<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span></b><b><span lang="EN-US" style="color: #0070c0; font-family: 'Book Antiqua', serif;">SISTEM/PROSEDUR
KREDIT</span></b><b><span lang="EN-US" style="font-family: 'Book Antiqua', serif;"> :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 14.2pt; text-indent: 0mm;">
<span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Usaha produktif dan layak, namun belum <i>bankable<o:p></o:p></i></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 14.2pt; mso-add-space: auto; mso-list: l3 level1 lfo7; text-indent: -14.2pt;">
<b><span lang="EN-US" style="color: #0070c0; font-family: 'Book Antiqua', serif;"><br /></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 14.2pt; mso-add-space: auto; mso-list: l3 level1 lfo7; text-indent: -14.2pt;">
<b><span lang="EN-US" style="color: #0070c0; font-family: 'Book Antiqua', serif;">C.<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span></b><b><span lang="EN-US" style="color: #0070c0; font-family: 'Book Antiqua', serif;">KRITERIA
PENERIMA :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 32.2pt; text-indent: -18pt;">
<span lang="EN-US" style="font-family: 'Book Antiqua', serif;">1.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Usaha Mikro, Kecil,
Menengah dan Koperasi<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 32.2pt; text-indent: -18pt;">
<span lang="EN-US" style="font-family: 'Book Antiqua', serif;">2.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Lembaga Linkage<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 14.2pt; mso-add-space: auto; mso-list: l3 level1 lfo7; text-indent: -14.2pt;">
<b><span lang="EN-US" style="color: #0070c0; font-family: 'Book Antiqua', serif;"><br /></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 14.2pt; mso-add-space: auto; mso-list: l3 level1 lfo7; text-indent: -14.2pt;">
<b><span lang="EN-US" style="color: #0070c0; font-family: 'Book Antiqua', serif;">D.<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span></b><b><span lang="EN-US" style="color: #0070c0; font-family: 'Book Antiqua', serif;">PERSYARATAN
:<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 14.2pt; mso-add-space: auto; mso-list: l3 level1 lfo7; text-indent: -14.2pt;">
<b><span lang="EN-US" style="color: #0070c0; font-family: 'Book Antiqua', serif;"><br /></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 31.5pt; text-indent: -17.3pt;">
<span lang="EN-US" style="font-family: 'Book Antiqua', serif;">1.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">a. Calon Debitur berupa
UMKMK :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 70.9pt; text-indent: -12.4pt;">
<span lang="EN-US" style="font-family: Symbol;">·<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Tidak
sedang menerima kredit/pembiayaan modal kerja dan/atau investasi dari perbankan
atau tidak sedang menerima kredit program dari pemerintah<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 70.9pt; text-indent: -12.4pt;">
<span lang="EN-US" style="font-family: Symbol;">·<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Dapat
sedang menerima kredit konsumtif.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 32.2pt; text-indent: 0mm;">
<span lang="EN-US" style="font-family: 'Book Antiqua', serif;">b. Calon Debitur berupa Lembaga Linkage :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 72pt; text-indent: -13.5pt;">
<span lang="EN-US" style="font-family: Symbol;">·<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Diperbolehkan
sedang memperoleh kredit/pembiayaan dari perbankan<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 72pt; text-indent: -13.5pt;">
<span lang="EN-US" style="font-family: Symbol;">·<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Tidak
sedang memperoleh kredit program dari pemerintah<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 32.2pt; text-indent: 0mm;">
<span lang="EN-US" style="font-family: 'Book Antiqua', serif;">c. Calon Debitur berupa Lembaga Keuangan Mikro :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 72pt; text-indent: -13.5pt;">
<span lang="EN-US" style="font-family: Symbol;">·<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Telah
memiliki izin usaha dari instansi yang berwenang<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 72pt; text-indent: -13.5pt;">
<span lang="EN-US" style="font-family: Symbol;">·<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Telah
melakukan kegiatan usaha simpan pinjam secara aktif minimal 6 (enam) bulan<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 72pt; text-indent: -13.5pt;">
<span lang="EN-US" style="font-family: Symbol;">·<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Memiliki
pengurus aktif<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 72pt; text-indent: -13.5pt;">
<span lang="EN-US" style="font-family: Symbol;">·<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Memiliki
AD/ART<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 72pt; text-indent: -13.5pt;">
<span lang="EN-US" style="font-family: Symbol;">·<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Mempunyai
usaha yang layak untuk dibiayai<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 72pt; text-indent: -13.5pt;">
<span lang="EN-US" style="font-family: Symbol;">·<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Tidak
memiliki tunggakan kredit baik di BRI maupun di bank/lembaga keuangan lainnya.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 32.2pt; text-indent: 0mm;">
<span lang="EN-US" style="font-family: 'Book Antiqua', serif;">d. Calon Debitur Koperasi Simpan Pinjam :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 72pt; text-indent: -13.5pt;">
<span lang="EN-US" style="font-family: Symbol;">·<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Telah
memiliki izin pendirian kegiatan usaha simpan pinjam dari instansi yang
berwenang<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 72pt; text-indent: -13.5pt;">
<span lang="EN-US" style="font-family: Symbol;">·<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Telah
melakukan kegiatan usaha simpan pinjam secara aktif minimal 6 (enam) bulan<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 72pt; text-indent: -13.5pt;">
<span lang="EN-US" style="font-family: Symbol;">·<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Memiliki
pengurus aktif<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 72pt; text-indent: -13.5pt;">
<span lang="EN-US" style="font-family: Symbol;">·<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Mempunyai
usaha yang layak untuk dibiayai<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 72pt; text-indent: -13.5pt;">
<span lang="EN-US" style="font-family: Symbol;">·<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Tidak
memiliki tunggakan kredit baik dari BRI maupun bank lainnya<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 32.2pt; mso-add-space: auto; mso-list: l5 level1 lfo10; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: 'Book Antiqua', serif;">2.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Legalitas Calon Debitur :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 54pt; text-indent: -18pt;">
<span lang="EN-US" style="font-family: Wingdings;">v<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Individu : Identitas berupa KTP dan Kartu
Keluarga<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 54pt; text-indent: -18pt;">
<span lang="EN-US" style="font-family: Wingdings;">v<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Kelompok : Surat pengukuhan dari instansi terkait
atau Surat Keterangan Usaha dari Lurah/Kepala Desa atau Akte Notaris<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 54pt; text-indent: -18pt;">
<span lang="EN-US" style="font-family: Wingdings;">v<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Koperasi : Anggaran Dasar beserta perubahannya<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 54pt; text-indent: -18pt;">
<span lang="EN-US" style="font-family: Wingdings;">v<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Badan Usaha Lainnya :
Akta Pendirian beserta perubahannya.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 32.2pt; mso-add-space: auto; mso-list: l5 level1 lfo10; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: 'Book Antiqua', serif;">3.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Perizinan Calon Debitur :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 49.5pt; text-indent: -13.5pt;">
<span lang="EN-US" style="font-family: Wingdings;">v<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Kredit </span><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">≤</span><span lang="EN-US" style="font-family: 'Book Antiqua', serif;"> Rp.100 juta : Surat
Keterangan Usaha dari Lurah/Kepala Desa<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 49.5pt; text-indent: -13.5pt;">
<span lang="EN-US" style="font-family: Wingdings;">v<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Kredit > Rp.100 juta :
SIUP, SITU, TDP<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 14.2pt; mso-add-space: auto; mso-list: l3 level1 lfo7; text-indent: -14.2pt;">
<b><span lang="EN-US" style="color: #0070c0; font-family: 'Book Antiqua', serif;"><br /></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 14.2pt; mso-add-space: auto; mso-list: l3 level1 lfo7; text-indent: -14.2pt;">
<b><span lang="EN-US" style="color: #0070c0; font-family: 'Book Antiqua', serif;">E.<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span></b><b><span lang="EN-US" style="color: #0070c0; font-family: 'Book Antiqua', serif;">PLAFOND :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 27pt; text-indent: -13.5pt;">
<span lang="EN-US" style="font-family: Symbol;">·<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">UMKMK : Maksimal
Rp.500 juta<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 27pt; text-indent: -13.5pt;">
<span lang="EN-US" style="font-family: Symbol;">·<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Lembaga
Linkage : Maksimal Rp.1 Milyar<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 14.2pt; mso-add-space: auto; mso-list: l3 level1 lfo7; text-indent: -14.2pt;">
<b><span lang="EN-US" style="color: #0070c0; font-family: 'Book Antiqua', serif;"><br /></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 14.2pt; mso-add-space: auto; mso-list: l3 level1 lfo7; text-indent: -14.2pt;">
<b><span lang="EN-US" style="color: #0070c0; font-family: 'Book Antiqua', serif;">F.<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span></b><b><span lang="EN-US" style="color: #0070c0; font-family: 'Book Antiqua', serif;">JANGKA
WAKTU :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 10mm; text-indent: -14.15pt;">
<span lang="EN-US" style="font-family: Wingdings;">§<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Kredit Modal Kerja : Maksimal 3 tahun<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 10mm; text-indent: -14.15pt;">
<span lang="EN-US" style="font-family: Wingdings;">§<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Kredit Investasi : Maksimal 5 tahun<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 14.2pt; mso-add-space: auto; mso-list: l3 level1 lfo7; text-indent: -14.2pt;">
<b><span lang="EN-US" style="color: #0070c0; font-family: 'Book Antiqua', serif;"><br /></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 14.2pt; mso-add-space: auto; mso-list: l3 level1 lfo7; text-indent: -14.2pt;">
<b><span lang="EN-US" style="color: #0070c0; font-family: 'Book Antiqua', serif;">G.<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span></b><b><span lang="EN-US" style="color: #0070c0; font-family: 'Book Antiqua', serif;">SUKU BUNGA
:<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 14.2pt; text-indent: 0mm;">
<span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Efektif maksimal 14% per tahun<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 14.2pt; mso-add-space: auto; mso-list: l3 level1 lfo7; text-indent: -14.2pt;">
<b><span lang="EN-US" style="color: #0070c0; font-family: 'Book Antiqua', serif;"><br /></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 115%; margin-left: 14.2pt; mso-add-space: auto; mso-list: l3 level1 lfo7; text-indent: -14.2pt;">
<b><span lang="EN-US" style="color: #0070c0; font-family: 'Book Antiqua', serif;">H.<span style="font: normal normal normal 7pt/normal 'Times New Roman';">
</span></span></b><b><span lang="EN-US" style="color: #0070c0; font-family: 'Book Antiqua', serif;">AGUNAN :<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 115%; margin-left: 14.2pt; mso-add-space: auto; text-indent: 0mm;">
<span lang="EN-US" style="font-family: 'Book Antiqua', serif;">Menyesuaikan<o:p></o:p></span></div>
Yusuf Arif Setiawanhttp://www.blogger.com/profile/11644313448106640269noreply@blogger.com3tag:blogger.com,1999:blog-2133123732905641044.post-88662583343253631052011-09-27T14:02:00.000+08:002011-09-28T11:12:23.039+08:00Sistem Informasi Debitur / Daftar Black List Kredit BI<br />
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span style="font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">Ditulisan sebelumnya, saya sudah memposting tentang black list bank dikarenakan penyalahgunaan bilyet giro berupa cek tunai atau cek tunda. Tampaknya judul diatas banyak pengunjung yang mengartikan judul dari tulisan tersebut sama dengan blask list dikarenakan kredit macet. Sehingga beberapa komentar arahnya kepada kredit macet. Untuk membantu maka saya coba postingkan tulisan yang berhubungan dengan kredit macet, yang mana bila kita mengalami kredit macet akhirnya kita masuk dalam daftar black list kredit macet yang terdaftar pada daftar Sistim Informasi Debitur. Lalu sampai sejauh mana kredit kita dikatakan macet?<o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%; margin-left: 14.2pt; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 14.2pt; text-align: justify; text-indent: -14.2pt;"><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">1.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span style="background-attachment: initial; background-clip: initial; background-color: white; background-image: initial; background-origin: initial; color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">Kredit digolongkan sebagai kredit <b>"Lancar"</b>, apabila memenuhi kriteria sbb :</span><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;"><o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%; margin-left: 14.2pt; mso-list: l0 level2 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 14.2pt 1.0cm; text-align: justify; text-indent: 0cm;"><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">a.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span style="background-attachment: initial; background-clip: initial; background-color: white; background-image: initial; background-origin: initial; color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">Pembayaran angsuran</span><span style="color: #222222; font-family: Arial, sans-serif; font-size: 10pt; line-height: 150%;"> </span><span style="background-attachment: initial; background-clip: initial; background-color: white; background-image: initial; background-origin: initial; color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">pokok dan/atau bunga tepat waktu;</span><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;"><o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%; margin-left: 14.2pt; mso-list: l0 level2 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 14.2pt 1.0cm; text-align: justify; text-indent: 0cm;"><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">b.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span style="background-attachment: initial; background-clip: initial; background-color: white; background-image: initial; background-origin: initial; color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">Memiliki mutasi rekening yang aktif;</span><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;"><o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%; margin-left: 14.2pt; mso-list: l0 level2 lfo1; tab-stops: list 14.2pt 1.0cm; text-align: justify; text-indent: 0cm;"><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">c.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span style="background-attachment: initial; background-clip: initial; background-color: white; background-image: initial; background-origin: initial; color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">Bagian dari kredit yang dijamin dengan</span><span style="color: #222222; font-family: Arial, sans-serif; font-size: 10pt; line-height: 150%;"> </span><span style="background-attachment: initial; background-clip: initial; background-color: white; background-image: initial; background-origin: initial; color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">agunan tunai</span><span style="color: #222222; font-family: Arial, sans-serif; font-size: 10pt; line-height: 150%;"> </span><i><span style="background-attachment: initial; background-clip: initial; background-color: white; background-image: initial; background-origin: initial; color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">(cash collateral).</span></i><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;"><o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; mso-list: l0 level1 lfo1; tab-stops: list 14.2pt; text-align: justify; text-indent: -14.2pt;"><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">2.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span style="background-attachment: initial; background-clip: initial; background-color: white; background-image: initial; background-origin: initial; color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">Kredit digolongkan sebagai kredit dalam <b>"Perhatian Khusus"</b>, apabila memenuhi kriteria sbb :</span><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;"><o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">a. <span style="background-attachment: initial; background-clip: initial; background-color: white; background-image: initial; background-origin: initial;">Terdapat tunggakan angsuran pokok dan/atau bunga yang belum melampaui 90 (sembilan puluh) hari;<o:p></o:p></span></span></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="background-attachment: initial; background-clip: initial; background-color: white; background-image: initial; background-origin: initial; color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">b. Kadang-kadang terjadi cerukan;<o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="background-attachment: initial; background-clip: initial; background-color: white; background-image: initial; background-origin: initial; color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">c. Mutasi rekening relatif aktif;<o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="background-attachment: initial; background-clip: initial; background-color: white; background-image: initial; background-origin: initial; color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">d. Jarang terjadi pelanggaran terhadap kontrak yang diperjanjikan;<o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="background-attachment: initial; background-clip: initial; background-color: white; background-image: initial; background-origin: initial; color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">e. Didukung oleh pinjaman yang baru.</span><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;"><o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 12.0pt; mso-list: l0 level1 lfo2; tab-stops: list 14.2pt; text-align: justify; text-indent: -14.2pt;"><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">3.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span style="background-attachment: initial; background-clip: initial; background-color: white; background-image: initial; background-origin: initial; color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">Kredit digolongkan sebagai kredit <b>"Kurang Lancar"</b>, apabila memenuhi kriteria sbb :</span><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;"><o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; mso-list: l0 level2 lfo3; tab-stops: list 14.2pt 1.0cm; text-align: justify; text-indent: 0cm;"><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">a.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span style="background-attachment: initial; background-clip: initial; background-color: white; background-image: initial; background-origin: initial; color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">Terdapat tunggakan angsuran pokok dan/atau bunga yang telah melampaui 90 (sembilan puluh) hari;</span><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;"><o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; mso-list: l0 level2 lfo3; tab-stops: list 14.2pt 1.0cm; text-align: justify; text-indent: 0cm;"><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">b.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span style="background-attachment: initial; background-clip: initial; background-color: white; background-image: initial; background-origin: initial; color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">Sering terjadi cerukan;</span><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;"><o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; mso-list: l0 level2 lfo3; tab-stops: list 14.2pt 1.0cm; text-align: justify; text-indent: 0cm;"><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">c.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span style="background-attachment: initial; background-clip: initial; background-color: white; background-image: initial; background-origin: initial; color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">Mutasi rekening relatif rendah;</span><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;"><o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; mso-list: l0 level2 lfo3; tab-stops: list 14.2pt 1.0cm; text-align: justify; text-indent: 0cm;"><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">d.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span style="background-attachment: initial; background-clip: initial; background-color: white; background-image: initial; background-origin: initial; color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">Terjadi pelanggaran terhadap kontrak yang diperjanjikan lebih dari 90 (sembilan puluh) hari;</span><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;"><o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; mso-list: l0 level2 lfo3; tab-stops: list 14.2pt 1.0cm; text-align: justify; text-indent: 0cm;"><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">e.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span style="background-attachment: initial; background-clip: initial; background-color: white; background-image: initial; background-origin: initial; color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">Terdapat likuidasi masalah keuangan yang dihadapi debitur;</span><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;"><o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; mso-list: l0 level2 lfo3; tab-stops: list 14.2pt 1.0cm; text-align: justify; text-indent: 0cm;"><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">f.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span style="background-attachment: initial; background-clip: initial; background-color: white; background-image: initial; background-origin: initial; color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">Dokumentasi pinjaman lemah</span><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;"><o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; tab-stops: list 1.0cm; text-align: justify;"><br />
</div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; mso-list: l0 level1 lfo3; tab-stops: list 14.2pt; text-align: justify; text-indent: -14.2pt;"><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">4.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span style="background-attachment: initial; background-clip: initial; background-color: white; background-image: initial; background-origin: initial; color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">Kredit digolongkan sebagai kredit <b>"Diragukan"</b>, apabila memenuhi kriteria sbb :</span><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;"><o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%; margin-left: 1.0cm; mso-list: l0 level2 lfo4; mso-margin-bottom-alt: auto; tab-stops: list 1.0cm; text-align: justify; text-indent: -14.15pt;"><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">a.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span style="background-attachment: initial; background-clip: initial; background-color: white; background-image: initial; background-origin: initial; color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">Terdapat tunggakan angsuran pokok dan/atau bunga yang telah melampaui 180 (seratus delapan puluh) hari;</span><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;"><o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%; margin-left: 1.0cm; mso-list: l0 level2 lfo4; mso-margin-bottom-alt: auto; tab-stops: list 1.0cm; text-align: justify; text-indent: -14.15pt;"><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">b.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span style="background-attachment: initial; background-clip: initial; background-color: white; background-image: initial; background-origin: initial; color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">Terjadi cerukan yang bersifat permanen;</span><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;"><o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%; margin-left: 1.0cm; mso-list: l0 level2 lfo4; mso-margin-bottom-alt: auto; tab-stops: list 1.0cm; text-align: justify; text-indent: -14.15pt;"><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">c.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span style="background-attachment: initial; background-clip: initial; background-color: white; background-image: initial; background-origin: initial; color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">Terjadi wanprestasi lebih dari 180 (seratus delapan puluh) hari;</span><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;"><o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%; margin-left: 1.0cm; mso-list: l0 level2 lfo4; mso-margin-bottom-alt: auto; tab-stops: list 1.0cm; text-align: justify; text-indent: -14.15pt;"><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">d.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span style="background-attachment: initial; background-clip: initial; background-color: white; background-image: initial; background-origin: initial; color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">Terjadi kapitalisasi bunga;</span><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;"><o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%; margin-left: 1.0cm; mso-list: l0 level2 lfo4; mso-margin-bottom-alt: auto; tab-stops: list 1.0cm; text-align: justify; text-indent: -14.15pt;"><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">e.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span style="background-attachment: initial; background-clip: initial; background-color: white; background-image: initial; background-origin: initial; color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">Dokumentasi hukum yang lemah baik untuk perjanjian kredit maupun peningkatan jaminan.</span><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;"><o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%; margin-left: 1.0cm; mso-list: l0 level2 lfo4; mso-margin-bottom-alt: auto; tab-stops: list 1.0cm; text-align: justify; text-indent: -14.15pt;"><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;"><o:p> </o:p></span></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: 5.35pt; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-list: l0 level1 lfo4; tab-stops: list 14.2pt; text-align: justify; text-indent: -1.0cm;"><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">5.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span style="background-attachment: initial; background-clip: initial; background-color: white; background-image: initial; background-origin: initial; color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">Kredit digolongkan sebagai kredit </span><b><span style="background-attachment: initial; background-clip: initial; background-color: white; background-image: initial; background-origin: initial; color: red; font-family: 'Frutiger 45 Light', sans-serif; font-size: 12pt; line-height: 150%;">"Macet"</span></b><span style="background-attachment: initial; background-clip: initial; background-color: white; background-image: initial; background-origin: initial; color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">, apabila memenuhi kriteria sbb :</span><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;"><o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%; margin-left: 1.0cm; mso-list: l0 level2 lfo5; mso-margin-bottom-alt: auto; tab-stops: list 1.0cm; text-align: justify; text-indent: -14.15pt;"><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">a.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span style="background-attachment: initial; background-clip: initial; background-color: white; background-image: initial; background-origin: initial; color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">Terdapat tunggakan angsuran pokok dan/atau bunga yang telah melampaui 270 (dua ratus tujuh puluh) hari;</span><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;"><o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%; margin-left: 1.0cm; mso-list: l0 level2 lfo5; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 1.0cm; text-align: justify; text-indent: -14.15pt;"><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">b.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span style="background-attachment: initial; background-clip: initial; background-color: white; background-image: initial; background-origin: initial; color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">Kerugian operasional ditutup dengan pinjaman baru;</span><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;"><o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%; margin-left: 1.0cm; mso-list: l0 level2 lfo5; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 1.0cm; text-align: justify; text-indent: -14.15pt;"><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">c.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span style="background-attachment: initial; background-clip: initial; background-color: white; background-image: initial; background-origin: initial; color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">Dari segi hukum maupun kondisi pasar, jaminan tidak dapat dicairkan pada nilai wajar.</span><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;"><o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%; margin-left: 1.0cm; mso-list: l0 level2 lfo5; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 1.0cm; text-align: justify; text-indent: -14.15pt;"><span style="background-attachment: initial; background-clip: initial; background-color: white; background-image: initial; background-origin: initial; color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;"><br />
</span></div><div class="MsoNormal" style="line-height: 150%; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"><b><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;"><span style="background-color: #ffd966;">Sebagai informasi, untuk kredit dibawah Rp. 1 Milyar penggolongan kualitas kredit terbatas pada kreteria lamanya hari tidak mengangsur saja. </span><o:p></o:p></span></b></div><div class="MsoNormal" style="line-height: 150%; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"><b><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;"><br />
</span></b></div><div class="MsoNormal" style="line-height: 150%; text-align: justify;"><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;">Nah bagi yang merasa tidak tersangkut kredit macet, tapi dinyatakan kredit macet oleh Bank Umum, dapat memperoleh penjelasan kepada Bank Indonesia setempat. Permohonan untuk memperoleh <b>Informasi Debitur Bank (Daftar List kredit Macet)</b>, cukup menyertakan fotocopy KTP/NPWP dan mengisi daftar isian yang telah disediakan oleh BI (gratis tidak dipungut biaya).<o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%; text-align: justify;"><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;"><br />
</span></div><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhFamohN1RfldPlliJbIKFEpXH2FivgS9yXnln_ZGuIsSbuw7TliYiW6x8RtqKSepiRNeBqBLe7RQE9hMiIYwf-lbhhnZhjrx_jNJZt4tqGcrV7081Co6cc6diP8V_XZBFTRbvHl-FUyVzi/s1600/SID.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="457" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhFamohN1RfldPlliJbIKFEpXH2FivgS9yXnln_ZGuIsSbuw7TliYiW6x8RtqKSepiRNeBqBLe7RQE9hMiIYwf-lbhhnZhjrx_jNJZt4tqGcrV7081Co6cc6diP8V_XZBFTRbvHl-FUyVzi/s640/SID.JPG" width="640" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">gambar dari web Bank Indonesia http://www.bi.go.id</td></tr>
</tbody></table><div class="MsoNormal" style="line-height: 150%; text-align: justify;"><span style="color: #222222; font-family: 'Frutiger 45 Light', sans-serif; font-size: 10pt; line-height: 150%;"><br />
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Yusuf Arif Setiawanhttp://www.blogger.com/profile/11644313448106640269noreply@blogger.com3tag:blogger.com,1999:blog-2133123732905641044.post-58044798114357750872011-09-27T10:25:00.001+08:002011-09-28T11:13:18.340+08:00Menghitung Bunga Bank<div style="text-align: justify;"></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: 0.0001pt; text-align: justify; text-indent: 36pt;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="apple-style-span"><span style="color: black; line-height: 150%;">Postingan ini bukan original pemikiran saya, namun hasi bongkar-bongkar web Bank Indonesia di http://www.bi.go.id . Saya ingin menshare buat teman-teman, siapa tahu ada yang berminat cari tahu tentang bagaimana bank menghitung bunganya. Link aslinya ada di web Bank Indonesia, sayang saya lupa letaknya dimana. Ini ada di google doc saya berupa brosur atau pamflet yang bisa didownload disini</span></span><span class="apple-style-span"><span style="color: black; line-height: 150%;"> </span></span><span class="apple-style-span"><span style="color: black; line-height: 150%;"><a href="https://docs.google.com/document/d/1awLkTgY3e1GSYoEj_yDK1demsjiX9F8SwhD6r1HJrTA/edit?hl=en_US">Brosur Perhitungan Bunga Bank</a>.</span></span><span style="line-height: 150%;"><o:p></o:p></span></span></div><br />
<div style="text-align: justify;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif; line-height: 19px;">Sebelum kita mengajukan pinjaman ke Bank, kita perlu memahami bagaimana suku bunga kredit ditentukan. Mengapa perlu memahami perhitungan bunga kredit? Ketika mengajukan permohonan kredit ke bank, perlu dipahami bagaimana cara bank menghitung bunga kredit. Hal ini karena masing-masing bank memiliki metode bunga yang berbeda sehingga biaya bunga menjadi berbeda.</span></div><br />
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;"><b><span style="line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Metode Perhitungan Bunga</span></span></b></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;"><span style="line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Secara umum ada 2 metode dalam penghitungan bunga yaitu effektif dan flat. Namun dalam praktek sehari-hari ada modifikasi dari metode efektif yang disebut dengan metode anuitas. Untuk memudahkan pemahaman konsep metode perhitunga bunga diatas, dapat diilustrasikan sebagai berikut :<o:p></o:p></span></span></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;"><span style="line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Misalnya, kita mengajukan kredit dengan jangka waktu 24 bulan sebesar Rp. 24.000.000 dengan bunga 10% pertahun. Kita berniat melakukan pembayaran pokok pinjaman sebesar Rp. 1.000.000 perbulan sampai lunas. Asumsi bahwa suku bunga kredit tidak berubah (tetap) selama jangka waktu kredit.<o:p></o:p></span></span></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;"><b><u><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><br />
</span></u></b></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;"><b><u><span style="line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Metode Efektif<o:p></o:p></span></span></u></b></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;"><span style="line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Metode ini menghitung bunga yang harus dibayar setiap bulan sesuai dengan saldo pokok pinjaman bulan sebelumnya. Rumus perhitungan bunga adalah : Bunga = SP x i x (30/360), dimana ;<o:p></o:p></span></span></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;"><span style="line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">SP = saldo pokok pinjaman bulan sebelumnya, i = suku bunga pertahun, 30 = jumlah hari dalam 1 bulan, 360 = jumlah hari dalam 1 tahun.<o:p></o:p></span></span></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><i><span style="line-height: 150%;">Bunga Efektif bulan 1 </span></i><span style="line-height: 150%;">= Rp. 24.000.000 x 10% x (30 hari/360 hari) = Rp. 200.000<o:p></o:p></span></span></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;"><span style="line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Angsuran pokok dan bunga pada bulan 1 adalah Rp. 1.000.000 + 200.000= Rp. 1.200.000<o:p></o:p></span></span></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><i><span style="line-height: 150%;">Bunga Efektif bulan 2 </span></i><span style="line-height: 150%;">= Rp. 23.000.000 x 10% x (30 hari/360 hari) = Rp. 191.666,67<o:p></o:p></span></span></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;"><span style="line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Angsuran pokok dan bunga pada bulan 2 adalah Rp. 1.000.000 + 191.666,67 = Rp. 1.191.666,67<o:p></o:p></span></span></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;"><b><u><span style="line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Metode Anuitas<o:p></o:p></span></span></u></b></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;"><span style="line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Merupakan modifikasi dari metode effektif. Metode ini mengatur jumlah angsuran pokok dan bunga yang dibayar agar sama setiap bulan. Rumus perhitungan bunga saa dengan metode efektif yaitu :<o:p></o:p></span></span></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;"><span style="line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Bunga = SP x i x (30/360), dimana ;<o:p></o:p></span></span></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;"><span style="line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">SP = saldo pokok pinjaman bulan sebelumnya, i = suku bunga pertahun, 30 = jumlah hari dalam 1 bulan, 360 = jumlah hari dalam 1 tahun.<o:p></o:p></span></span></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;"><span style="line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Biasanya Bank memiliki aplikasi software yang secara otomatis menghitung bunga anuitas. Dalam kasus diatas, tabel perhitungan akan muncul sebagai berikut :<o:p></o:p></span></span></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;"><br />
</div><table border="1" cellpadding="0" cellspacing="0" class="MsoTableMediumGrid2Accent1" style="border-bottom-style: none; border-collapse: collapse; border-color: initial; border-left-style: none; border-right-style: none; border-top-style: none; border-width: initial; text-align: justify;"><tbody>
<tr> <td style="background: white; border: none; mso-background-themecolor: background1; padding: 0cm 5.4pt 0cm 5.4pt; width: 38.4pt;" valign="top" width="51"><div class="MsoNormal" style="line-height: 150%; margin-bottom: 0.0001pt; text-align: center;"><b><span style="color: black; line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Bulan<o:p></o:p></span></span></b></div></td> <td style="background: #EDF2F8; border: solid #4F81BD 1.0pt; mso-background-themecolor: accent1; mso-background-themetint: 25; mso-border-themecolor: accent1; padding: 0cm 5.4pt 0cm 5.4pt; width: 82.5pt;" valign="top" width="110"><div class="MsoNormal" style="line-height: 150%; margin-bottom: 0.0001pt; text-align: center;"><b><span style="color: black; line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Saldo<o:p></o:p></span></span></b></div></td> <td style="background: #EDF2F8; border-left: none; border: solid #4F81BD 1.0pt; mso-background-themecolor: accent1; mso-background-themetint: 25; mso-border-left-alt: solid #4F81BD 1.0pt; mso-border-left-themecolor: accent1; mso-border-themecolor: accent1; padding: 0cm 5.4pt 0cm 5.4pt; width: 82.5pt;" valign="top" width="110"><div class="MsoNormal" style="line-height: 150%; margin-bottom: 0.0001pt; text-align: center;"><b><span style="color: black; line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Bunga Anuitas<o:p></o:p></span></span></b></div></td> <td style="background: #EDF2F8; border-left: none; border: solid #4F81BD 1.0pt; mso-background-themecolor: accent1; mso-background-themetint: 25; mso-border-left-alt: solid #4F81BD 1.0pt; mso-border-left-themecolor: accent1; mso-border-themecolor: accent1; padding: 0cm 5.4pt 0cm 5.4pt; width: 104.5pt;" valign="top" width="139"><div class="MsoNormal" style="line-height: 150%; margin-bottom: 0.0001pt; text-align: center;"><b><span style="color: black; line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Angsuran Pokok<o:p></o:p></span></span></b></div></td> <td style="background: #EDF2F8; border-left: none; border: solid #4F81BD 1.0pt; mso-background-themecolor: accent1; mso-background-themetint: 25; mso-border-left-alt: solid #4F81BD 1.0pt; mso-border-left-themecolor: accent1; mso-border-themecolor: accent1; padding: 0cm 5.4pt 0cm 5.4pt; width: 88.0pt;" valign="top" width="117"><div class="MsoNormal" style="line-height: 150%; margin-bottom: 0.0001pt; text-align: center;"><b><span style="color: black; line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Total Angsuran<o:p></o:p></span></span></b></div></td> </tr>
<tr> <td style="background: white; border-top: solid #4F81BD 1.0pt; border: none; mso-background-themecolor: background1; mso-border-top-themecolor: accent1; padding: 0cm 5.4pt 0cm 5.4pt; width: 38.4pt;" valign="top" width="51"><div class="MsoNormal" style="line-height: 150%; margin-bottom: 0.0001pt; text-align: center;"><b><span style="color: black; line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">0<o:p></o:p></span></span></b></div></td> <td style="background: #A7BFDE; border-top: none; border: solid #4F81BD 1.0pt; mso-background-themecolor: accent1; mso-background-themetint: 127; mso-border-bottom-alt: 1.0pt; mso-border-color-alt: #4F81BD; mso-border-left-alt: .75pt; mso-border-right-alt: .75pt; mso-border-style-alt: solid; mso-border-themecolor: accent1; mso-border-themecolor: accent1; mso-border-top-alt: 1.0pt; mso-border-top-alt: solid #4F81BD 1.0pt; mso-border-top-themecolor: accent1; padding: 0cm 5.4pt 0cm 5.4pt; width: 82.5pt;" valign="top" width="110"><div class="MsoNormal" style="line-height: 150%; margin-bottom: 0.0001pt; text-align: right;"><span style="color: black; line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">24.000.000<o:p></o:p></span></span></div></td> <td style="background: #A7BFDE; border-bottom: solid #4F81BD 1.0pt; border-left: none; border-right: solid #4F81BD 1.0pt; border-top: none; mso-background-themecolor: accent1; mso-background-themetint: 127; mso-border-bottom-alt: 1.0pt; mso-border-bottom-themecolor: accent1; mso-border-color-alt: #4F81BD; mso-border-left-alt: .75pt; mso-border-left-alt: solid #4F81BD .75pt; mso-border-left-themecolor: accent1; mso-border-right-alt: .75pt; mso-border-right-themecolor: accent1; mso-border-style-alt: solid; mso-border-themecolor: accent1; mso-border-top-alt: 1.0pt; mso-border-top-alt: solid #4F81BD 1.0pt; mso-border-top-themecolor: accent1; padding: 0cm 5.4pt 0cm 5.4pt; width: 82.5pt;" valign="top" width="110"><div class="MsoNormal" style="line-height: 150%; margin-bottom: 0.0001pt; text-align: right;"><span style="color: black; line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">0<o:p></o:p></span></span></div></td> <td style="background: #A7BFDE; border-bottom: solid #4F81BD 1.0pt; border-left: none; border-right: solid #4F81BD 1.0pt; border-top: none; mso-background-themecolor: accent1; mso-background-themetint: 127; mso-border-bottom-alt: 1.0pt; mso-border-bottom-themecolor: accent1; mso-border-color-alt: #4F81BD; mso-border-left-alt: .75pt; mso-border-left-alt: solid #4F81BD .75pt; mso-border-left-themecolor: accent1; mso-border-right-alt: .75pt; mso-border-right-themecolor: accent1; mso-border-style-alt: solid; mso-border-themecolor: accent1; mso-border-top-alt: 1.0pt; mso-border-top-alt: solid #4F81BD 1.0pt; mso-border-top-themecolor: accent1; padding: 0cm 5.4pt 0cm 5.4pt; width: 104.5pt;" valign="top" width="139"><div class="MsoNormal" style="line-height: 150%; margin-bottom: 0.0001pt; text-align: right;"><span style="color: black; line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">0<o:p></o:p></span></span></div></td> <td style="background: #A7BFDE; border-bottom: solid #4F81BD 1.0pt; border-left: none; border-right: solid #4F81BD 1.0pt; border-top: none; mso-background-themecolor: accent1; mso-background-themetint: 127; mso-border-bottom-themecolor: accent1; mso-border-left-alt: solid #4F81BD .75pt; mso-border-left-themecolor: accent1; mso-border-right-themecolor: accent1; mso-border-top-alt: solid #4F81BD 1.0pt; mso-border-top-themecolor: accent1; padding: 0cm 5.4pt 0cm 5.4pt; width: 88.0pt;" valign="top" width="117"><div class="MsoNormal" style="line-height: 150%; margin-bottom: 0.0001pt; text-align: right;"><span style="color: black; line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">0<o:p></o:p></span></span></div></td> </tr>
<tr> <td style="background: white; border-top: solid #4F81BD 1.0pt; border: none; mso-background-themecolor: background1; mso-border-top-themecolor: accent1; padding: 0cm 5.4pt 0cm 5.4pt; width: 38.4pt;" valign="top" width="51"><div class="MsoNormal" style="line-height: 150%; margin-bottom: 0.0001pt; text-align: center;"><b><span style="color: black; line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">1<o:p></o:p></span></span></b></div></td> <td style="background: #D3DFEE; border-top: none; border: solid #4F81BD 1.0pt; mso-background-themecolor: accent1; mso-background-themetint: 63; mso-border-themecolor: accent1; mso-border-top-alt: solid #4F81BD 1.0pt; mso-border-top-themecolor: accent1; padding: 0cm 5.4pt 0cm 5.4pt; width: 82.5pt;" valign="top" width="110"><div class="MsoNormal" style="line-height: 150%; margin-bottom: 0.0001pt; text-align: right;"><span style="color: black; line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">23.092.522<o:p></o:p></span></span></div></td> <td style="background: #D3DFEE; border-bottom: solid #4F81BD 1.0pt; border-left: none; border-right: solid #4F81BD 1.0pt; border-top: none; mso-background-themecolor: accent1; mso-background-themetint: 63; mso-border-bottom-themecolor: accent1; mso-border-left-alt: solid #4F81BD 1.0pt; mso-border-left-themecolor: accent1; mso-border-right-themecolor: accent1; mso-border-top-alt: solid #4F81BD 1.0pt; mso-border-top-themecolor: accent1; padding: 0cm 5.4pt 0cm 5.4pt; width: 82.5pt;" valign="top" width="110"><div class="MsoNormal" style="line-height: 150%; margin-bottom: 0.0001pt; text-align: right;"><span style="color: black; line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">200.000<o:p></o:p></span></span></div></td> <td style="background: #D3DFEE; border-bottom: solid #4F81BD 1.0pt; border-left: none; border-right: solid #4F81BD 1.0pt; border-top: none; mso-background-themecolor: accent1; mso-background-themetint: 63; mso-border-bottom-themecolor: accent1; mso-border-left-alt: solid #4F81BD 1.0pt; mso-border-left-themecolor: accent1; mso-border-right-themecolor: accent1; mso-border-top-alt: solid #4F81BD 1.0pt; mso-border-top-themecolor: accent1; padding: 0cm 5.4pt 0cm 5.4pt; width: 104.5pt;" valign="top" width="139"><div class="MsoNormal" style="line-height: 150%; margin-bottom: 0.0001pt; text-align: right;"><span style="color: black; line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">907.478<o:p></o:p></span></span></div></td> <td style="background: #D3DFEE; border-bottom: solid #4F81BD 1.0pt; border-left: none; border-right: solid #4F81BD 1.0pt; border-top: none; mso-background-themecolor: accent1; mso-background-themetint: 63; mso-border-bottom-themecolor: accent1; mso-border-left-alt: solid #4F81BD 1.0pt; mso-border-left-themecolor: accent1; mso-border-right-themecolor: accent1; mso-border-top-alt: solid #4F81BD 1.0pt; mso-border-top-themecolor: accent1; padding: 0cm 5.4pt 0cm 5.4pt; width: 88.0pt;" valign="top" width="117"><div class="MsoNormal" style="line-height: 150%; margin-bottom: 0.0001pt; text-align: right;"><span style="color: black; line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">1.107.478<o:p></o:p></span></span></div></td> </tr>
<tr style="height: 5.5pt; mso-yfti-irow: 2; mso-yfti-lastrow: yes;"> <td style="background: white; border-top: solid #4F81BD 1.0pt; border: none; height: 5.5pt; mso-background-themecolor: background1; mso-border-top-themecolor: accent1; padding: 0cm 5.4pt 0cm 5.4pt; width: 38.4pt;" valign="top" width="51"><div class="MsoNormal" style="line-height: 150%; margin-bottom: 0.0001pt; text-align: center;"><b><span style="color: black; line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">2<o:p></o:p></span></span></b></div></td> <td style="background: #A7BFDE; border-top: none; border: solid #4F81BD 1.0pt; height: 5.5pt; mso-background-themecolor: accent1; mso-background-themetint: 127; mso-border-bottom-alt: 1.0pt; mso-border-color-alt: #4F81BD; mso-border-left-alt: .75pt; mso-border-right-alt: .75pt; mso-border-style-alt: solid; mso-border-themecolor: accent1; mso-border-themecolor: accent1; mso-border-top-alt: 1.0pt; mso-border-top-alt: solid #4F81BD 1.0pt; mso-border-top-themecolor: accent1; padding: 0cm 5.4pt 0cm 5.4pt; width: 82.5pt;" valign="top" width="110"><div class="MsoNormal" style="line-height: 150%; margin-bottom: 0.0001pt; text-align: right;"><span style="color: black; line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">22.177.481<o:p></o:p></span></span></div></td> <td style="background: #A7BFDE; border-bottom: solid #4F81BD 1.0pt; border-left: none; border-right: solid #4F81BD 1.0pt; border-top: none; height: 5.5pt; mso-background-themecolor: accent1; mso-background-themetint: 127; mso-border-bottom-alt: 1.0pt; mso-border-bottom-themecolor: accent1; mso-border-color-alt: #4F81BD; mso-border-left-alt: .75pt; mso-border-left-alt: solid #4F81BD .75pt; mso-border-left-themecolor: accent1; mso-border-right-alt: .75pt; mso-border-right-themecolor: accent1; mso-border-style-alt: solid; mso-border-themecolor: accent1; mso-border-top-alt: 1.0pt; mso-border-top-alt: solid #4F81BD 1.0pt; mso-border-top-themecolor: accent1; padding: 0cm 5.4pt 0cm 5.4pt; width: 82.5pt;" valign="top" width="110"><div class="MsoNormal" style="line-height: 150%; margin-bottom: 0.0001pt; text-align: right;"><span style="color: black; line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">192.438<o:p></o:p></span></span></div></td> <td style="background: #A7BFDE; border-bottom: solid #4F81BD 1.0pt; border-left: none; border-right: solid #4F81BD 1.0pt; border-top: none; height: 5.5pt; mso-background-themecolor: accent1; mso-background-themetint: 127; mso-border-bottom-alt: 1.0pt; mso-border-bottom-themecolor: accent1; mso-border-color-alt: #4F81BD; mso-border-left-alt: .75pt; mso-border-left-alt: solid #4F81BD .75pt; mso-border-left-themecolor: accent1; mso-border-right-alt: .75pt; mso-border-right-themecolor: accent1; mso-border-style-alt: solid; mso-border-themecolor: accent1; mso-border-top-alt: 1.0pt; mso-border-top-alt: solid #4F81BD 1.0pt; mso-border-top-themecolor: accent1; padding: 0cm 5.4pt 0cm 5.4pt; width: 104.5pt;" valign="top" width="139"><div class="MsoNormal" style="line-height: 150%; margin-bottom: 0.0001pt; text-align: right;"><span style="color: black; line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">915.040<o:p></o:p></span></span></div></td> <td style="background: #A7BFDE; border-bottom: solid #4F81BD 1.0pt; border-left: none; border-right: solid #4F81BD 1.0pt; border-top: none; height: 5.5pt; mso-background-themecolor: accent1; mso-background-themetint: 127; mso-border-bottom-themecolor: accent1; mso-border-left-alt: solid #4F81BD .75pt; mso-border-left-themecolor: accent1; mso-border-right-themecolor: accent1; mso-border-top-alt: solid #4F81BD 1.0pt; mso-border-top-themecolor: accent1; padding: 0cm 5.4pt 0cm 5.4pt; width: 88.0pt;" valign="top" width="117"><div class="MsoNormal" style="line-height: 150%; margin-bottom: 0.0001pt; text-align: right;"><span style="color: black; line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">1.107.478<o:p></o:p></span></span></div></td> </tr>
</tbody></table><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><i><span style="line-height: 150%;">Bunga Anuitas bulan 1</span></i><span style="line-height: 150%;">, = Rp. 24.000.000 x 10% x (30 hari/360 hari) = Rp. 200.000<o:p></o:p></span></span></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;"><span style="line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Angsuran pokok dan bunga pada bulan 1 adalah Rp. 907.478 + 200.000= Rp. 1.107.478<o:p></o:p></span></span></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><i><span style="line-height: 150%;">Bunga Anuitas bulan 2 </span></i><span style="line-height: 150%;">= Rp. 23.092.522 x 10% x (30 hari/360 hari) = Rp. 192.438,00<o:p></o:p></span></span></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;"><span style="line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Angsuran pokok dan bunga pada bulan 2 adalah Rp. 915.040 + 192.438,00 = Rp. 1.107.478,00<o:p></o:p></span></span></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;"><span style="line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Terlihat bahwa angsuran bulan kedua sama dengan angsuran bulan pertama dan seterusnya dimana besarnya angsuran akan tetap sama dengan selesainya jangka waktu kredit.<o:p></o:p></span></span></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;"><b><u><span style="line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Metode Flat<o:p></o:p></span></span></u></b></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;"><span style="line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Dalam metode ini, perhitungan bunga selalu menghasilkan nilai bunga yang sama setiap bulan, karena bunga dihitung dari prosentase bunga dikalikan pokok pinjaman awal. Rumus perhitungannya adalah sebagai berikut :<o:p></o:p></span></span></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;"><span style="line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Bunga perbulan = P x i x t ; jb, dimana ;<o:p></o:p></span></span></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;"><span style="line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">P = pokok pinjaman awal, i = suku bunga pertahun, t= jumlah tahun jangka waktu kredit, jb = jumlah bulan dalam jangka waktu kredit.<o:p></o:p></span></span></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;"><span style="line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Karena bunga dihitung dari pokok awal pinjaman, maka biasanya suku bunga flat lebih kecil dari suku bunga efektif. Dalam contoh kasus diatas misalkan bunga flat sebesar 5,3739 % pertahun. Bunga flat tiap bulan selalu sama. <o:p></o:p></span></span></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;"><span style="line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Dimana = Rp. (24.000.000 x 5,3739% x 2) ; 24 = Rp. 107.478<o:p></o:p></span></span></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;"><span style="line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Angsuran pinjaman bulan 1,<o:p></o:p></span></span></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;"><span style="line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Angsuran pokok dan bunga pada bulan 1 adalah Rp. 1.000.000 + 107.478 = Rp. 1.107.478<o:p></o:p></span></span></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;"><span style="line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Angsuran pinjaman bulan 2 <o:p></o:p></span></span></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;"><span style="line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Angsuran pokok dan bunga pada bulan 2 adalah Rp. 1.000.000 + 107.478 = Rp. 1.107.478<o:p></o:p></span></span></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;"><b><u><span style="line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Perbandingan Anuitas dengan Flat<o:p></o:p></span></span></u></b></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;"><span style="line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Berdasarkan contoh kasus diatas, dapat disimpulkan bahwa untuk jangka waktu kredit 2 tahun, maka suku bunga efektif 10% pertahun akan menghasilkan angsuran yang sama dengan suku bunga flat 5,3739% pertahun.<o:p></o:p></span></span></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;"><b><span style="line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Hal-Hal yang perlu diketahui<o:p></o:p></span></span></b></div><div class="MsoListParagraphCxSpFirst" style="margin-bottom: 0.0001pt; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: -14.2pt;"></div><ol style="line-height: 150%;"><li><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span style="line-height: 150%;">Dalam menetapkan suku bunga kredit banyak bank menggunakan metode flat, sehingga suku bunga terkesan lebih rendah. Untuk itu, kita perlu menanyakan ke bank berapa sebenarnya suku bunga efektif yang diterapkan sebelum memutuskan untuk mengajukan kredit.</span></span></li>
<li><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span style="line-height: 150%;">Jika kita sedang membandingkan suku bunga antar bank, pastikan bahwa kita mengetahui metode perhitungan bunga yang diterapkan oleh setiap bank.</span></span></li>
<li><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span style="line-height: 150%;"><span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span style="line-height: 150%;">Untuk menghitung saldo pokok pinjaman, bank biasanya menggunakan metode efektif. Jadi pada saat mengajukan kredit, kita perlu menanyakan apakah akan ada penyesuaian terhadap perbedaan saldo pinjaman yang menggunakan bunga efektif dengan yang menggunakan bunga flat jika kita ingin melakukan pelunasan pinjaman lebih dini sebelum jangka waktu pinjaman berakhir.</span></span></li>
<li><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span style="line-height: 150%;"><span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span style="line-height: 150%;">Meminta jadwal dan komposisi perhitungan bunga dan angsuran pokok pinjaman dari bank supaya kita dapat mengatur dana yang harus disediakan setiap bulan.</span></span></li>
<li><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span style="line-height: 150%;"><span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span style="line-height: 150%;">Memahami sifat bunga yang dikenakan bank, foating (mengambang) atau fixed (tetap). Jika suku bunga bersifat mengambang, maka apabila terjadi kenaikan suku bunga, biaya bunga dan angsuran pinjaman akan ikut naik dan sebaliknya jika suku bunga turun.</span></span></li>
</ol><br />
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;"><b><span style="line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Hal-hal yang perlu diperhatikan</span></span></b></div><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;"><span style="line-height: 150%;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Beberapa hal yang perlu mendapat perhatian dalam berhubungan dengan bank adalah sebagai berikut :<o:p></o:p></span></span></div><div class="MsoListParagraphCxSpFirst" style="margin-bottom: 0.0001pt; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: -14.2pt;"></div><ol style="line-height: 150%;"><li><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span style="line-height: 150%;"><span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span style="line-height: 150%;">Menanyakan kepada petugas bank terkait besaran pokok hutang, besaran bunga, biaya-biaya yang dikenakan sebelum mengajukan permohonan kredit.</span></span></li>
<li><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span style="line-height: 150%;"><span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span style="line-height: 150%;">Memperhitungkan kemampuan usaha kita dalam membayar cicilan pokok /bunga kredit yang wajib dibayar setiap bulannya.</span></span></li>
<li><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span style="line-height: 150%;"><span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span style="line-height: 150%;">Menggunakan fasilitas kredit yang diterima sesuai dengan tujuan, yakni hanya untuk membiayai usaha kita. Penyalahgunaan dana kredit dapat membahayakan kelangsungan usaha kita.</span></span></li>
<li><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span style="line-height: 150%;"><span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span style="line-height: 150%;">Kooperatif dan informatif (bersikap terbuka) terhadap bank dengan memberi informasi yang jelas mengenai usaha kita, akan sangat membantu bank dalam melakukan penilaian kelayakan pemberian kredit.</span></span></li>
<li><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span style="line-height: 150%;"><span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span style="line-height: 150%;">Sebelum menanda tangani perjanjian kredit, kita harus membaca dengan seksama dan memahaminya. Atas tanda tangan yang dibubuhkan akan membawa kosekuensi hukum yang mengikat.</span></span></li>
<li><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span style="line-height: 150%;"><span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span style="line-height: 150%;">Pemberian kredit dari bank merupakan ukuran kepercayaan, sehingga pemenuhan keawjiban pembayaran secara tepat waktu dan jumlah sesuai dengan perjanjian kredit akan memelihara reputasi kita sebagai pebisnis (tidak blak list diperbankan maupun sesama pebisnis).</span></span></li>
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Yusuf Arif Setiawanhttp://www.blogger.com/profile/11644313448106640269noreply@blogger.com2tag:blogger.com,1999:blog-2133123732905641044.post-27744360232959192082011-09-26T17:02:00.001+08:002011-09-28T11:14:36.604+08:00Download Proposal Kredit BankUntuk membantu rekan pembaca blog, yang bermaksud membuat <a href="http://www.box.net/shared/hfn47a394aq9vy97y1d7">Proposal Kredit</a> disini saya sediakan link template <a href="http://www.box.net/shared/hfn47a394aq9vy97y1d7">Proposal Kredit Bank</a>. Dalam mengisi form disesuaikan saja dengan kondisi perusahaannya. Jangan memaksakan sama dengan template, yang bisanya saja. Mohon maaf mungkin bila nanti ada pertanyaan, saya tidak bisa cepat merespon. Link download <a href="http://www.box.net/shared/hfn47a394aq9vy97y1d7">disini</a>. <a href="http://www.box.net/shared/hfn47a394aq9vy97y1d7">download Proposal Kredit Bank</a>.<br />
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</script>Yusuf Arif Setiawanhttp://www.blogger.com/profile/11644313448106640269noreply@blogger.com1tag:blogger.com,1999:blog-2133123732905641044.post-90226247959977462392011-09-07T17:10:00.003+08:002011-09-28T11:14:57.311+08:00Perusahaan Penjaminan Kredit Daerah<div style="text-align: justify;">Postingan berikut merupakan catatan hasil mengikuti Rakor Sinergi Pemerintah Daerah dan Perbankan Dalam Mengembangkan Perekonomian Rakyat pada bulan Juni lalu. Harapannya dapat bermanfaat bagi pembaca yang berkenan mampir di blog ini. Agar tidak kepanjangan saya share satu sesi yang membahas tentang PPKD atau Perusahaan Penjaminan Kredit Daerah seperti judul diatas.</div><br />
Poin-poinnya sebagai berikut :<br />
<div style="text-align: justify;"><ol><li>Bank Indonesia pada rentang bulan Agustus-September 2010 telah mengadakan survey mengenai pembentukan PPKD dengan jumlah responden 146 institusi/dinas yang tersebar di 9 provinsi. Hasil survey mengatakan, bahwasanya PPKD atau Perusahaan Penjaminan Kredit dapat mengatasi rendahnya penetrasi kredit atau pembiayaan dari lembaga keuangan.Selain itu mayoritas responden berharap bahwa Perusahaan Penjamin Kredit didirikan oleh Pemerintah Daerah (Paper penelitian dapat didownload di web Bank Indonesia). </li>
<li>Mayoritas usaha UMKM feasible namun belum bankable. Masalah klasiknya adalah pada pemenuhan jaminan.</li>
<li>Bank sebagai lembaga intermediasi perlu subsidi untuk memitigasi resiko pada portofolio UMKMnya dan kelangsungan bisnis bank.</li>
<li>Regulator dan Pemerintah, peningkatan perekonomian salah satunya adalah meningkatkan penetrasi lembaga intermediasi keuangan.</li>
<li>Lembaga Penjaminan Kredit yang sudah ada, secara financial sangat terbatas untuk mengcover kebutuhan pembiayaan UMKM diseluruh indonesia hal ini terkait dengan gearing ratio, ketersediaan kantor cabang dan jumlah sumber daya manusianya.</li>
<li>Rata-rata kredit MKM BI, tahun 2010 adalah Rp. 30.39 Juta, hal ini bermakna dengan pendirian PPKD bermodal dasar Rp. 50 Milyar, Gearing Ratio 10 kali dan pangsa penjaminan 70% maka sebanyak 23.504 UMKM dapat menerima kredit Rp. 30,39 Juta per UMKMnya.</li>
</ol></div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">Pendirian PPKD tentunya tidak mudah, perlu dukungan baik dari segi financial, regulasi dan support moril dari Kepala Daerah dan Wakil Rakyat yang duduk di DPRD. Adapun peran yang diharapkan dari para stake holder adalah sebagai berikut :</div><div style="text-align: justify;"><ol><li>Pemerintah Pusat; menyusun peraturan tentang keuangan daerah, tentang pembentukan dan operasional perusahaan penjaminan, mempersiapkan infrastruktur pendukung PPKD dan memfasilitasi capacity building untuk SDM PPKD.</li>
<li>Pemerintah Daerah; menyiapkan perda dan ketentuan terkait pendirian PPKD, menyediakan modal dan SDM untuk pembentukan PPKD, dan melakukan edukasi kepada UMKM tentang skema penjaminan kredit.</li>
<li>DPRD; memberikan persetujuan pembentukan PPKD dan memberikan persetujuan penggunaan dana APBD untuk modal awal PPKD.</li>
<li>Bank Indonesia; mendorong perbankan menggunakan penjaminan, konsultasi terkait fit and proper test pengurus PPKD dan fasilitasi sosialisasi pendirian PPKD.</li>
<li>Askrindo , Jamkrindo dan Penjamin lain, memberikan technical assistance dalam rangka capacity building dan melakukan kerjasama penjaminan dalam rangka risk sharing.</li>
<li>Perbankan, bekerjasama dalam memitigasi resiko dan meningkatkan LDR, memberikan edukasi kepada debitur tentang sistem penjaminan kredit, serta capital sharing PPKD.</li>
<li>Asosiasi UMKM, meng edukasi UMKM tentang keberadaan penjaminan kredit serta mendorong dan mempersiapkan UMKM untuk menggunakan jasa penjaminan.</li>
</ol></div><div style="text-align: justify;">Tentunya sempat terbersit, mengapa tidak memaksimalkan lembaga penjamin kredit yang sudah ada seperti PT. Askrindo dan Perum Jamkrindo? Memaksimalkan bisa saja, tapi tetap saja kedua perusahaan tersebut mempunyai banyak keterbatasan. Jumlah Cabang yang terbatas, Jumlah Modal yang terbatas, dan Gearing Ratio juga terbatas, menyebabkan mereka tidak dapat mengcover kebutuhan kredit disetiap daerah. Belum lagi faktor kearifan lokal juga cukup berperan, belum tentu jajaran manajerial yang tinggal dijakarta dapat memahami kondisi daerah yang perlu penanganan khusus.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">Pendirian PPKD di setiap daerah tentunya merupakan suatu kebutuhan yang memiliki prioritas utama untuk melengkapi infrastruktur (institutional infrastructure) pendukung lembaga keuangan sebagaimana diamanatkan oleh PP No. 2 Tahun 2008 dan Peraturan Menteri Keuangan Nomor 222/PMK.010/2008. Pendirian PPKD di setiap daerah diharapkan dapat meminimalisir asymmetric information di kalangan perbankan atau dengan kata lain risiko pemberian kredit sudah dapat dimitigasi atau disebar antara PPKD dan perbankan. Sehingga dengan demikian, eksistensi PPKD dapat memberikan ruang yang lebih luas kepada bank untuk melakukan ekspansi kredit.</div><br />
<div style="text-align: justify;">Manfaat penjaminan kredit UMKM harus dipahami sebagai upaya yang hasilnya tidak secara instan dirasakan/diperoleh daerah dan berpengaruh secara langsung pada penerimaan daerah dalam waktu singkat. Manfaat bagi daerah baru dapat dirasakan ketika UMKM yang mendapatkan tambahan modal dapat berkembang sehingga menggerakkan ekonomi daerah, meningkatkan penyerapan tenaga kerja dan pada akhirnya akan menambah pendapatan asli daerah. Oleh sebab itu, penting bagi Pemerintah Daerah untuk tetap melakukan seleksi dan pembinaan bagi UMKM khususnya UMKM yang akan mendapat fasilitas penjaminan kredit. Secara singkat dapat dijelaskan bahwa upaya penjaminan kredit akan dapat menghasilkan output yang optimal apabila dilakukan secara sinergi dengan upaya pemberdayaan UMKM lainnya yaitu melalui pendampingan, bimbingan teknis dan sebagainya.</div><script type="text/javascript">
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Yusuf Arif Setiawanhttp://www.blogger.com/profile/11644313448106640269noreply@blogger.com1Samarinda, Indonesia-0.502183 117.153801-0.75623150000000006 116.83794400000001 -0.24813450000000004 117.469658tag:blogger.com,1999:blog-2133123732905641044.post-19862082473611484862011-09-07T14:23:00.001+08:002011-09-28T11:15:20.932+08:00Informasi UMKM lagi<div style="text-align: justify;">Sering terdengar keluh kesah dari seseorang atau dari sekelompok atau malah dari sebuah komunitas yang katanya pemerintah tidak peduli kepada perkembangan dan kelangsungan UMKM. Tetapi yang namanya kehidupan memang begitu adanya, bahwasanya tidak ada sesuatu yang bisa nampak sempurna. Program apapun kalau itu masih ciptaan manusia. Pemerintah tidak Pro UMKM?? yang benar...<br />
<br />
</div><div style="text-align: justify;">Tidak diluar negeri atau didalam luar negeri, ketika saya mengadakan sosialisasi tentang UMKM pun yang hadir ternyata juga tidak banyak. Jadi kalau masih sedikit yang mau belajar, program apapun yang diberikan pemerintah tidak akan berguna. Kenapa? ya kalau mereka tidak tahu aturan main, tentunya ya akan susah mengakses program pemberdayaan yang disediakan oleh pemerintah.</div><div style="text-align: justify;"><br />
Sudahlah, mungkin saya terlalu suudzon. Tentunya tidak sesederhana seperti yang saya duga. Banyak hal mungkin yang melatar belakangi kisah tersebut diatas.</div><div style="text-align: justify;"><br />
Disini saya akan berbagi informasi yang disediakan oleh pemerintah via <a href="http://www.bi.go.id/">Bank Indonesia</a> silakan dikunjungi : http://www.bi.go.id/web/id/umkmbi/ . Monggo dieksplor, banyak lho manfaatnya.<br />
<br />
<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjMUrNl4xBefGpHS_akhdgz0Hl1N6X930atB9ovpW1YuV2ClN0W2EJS1dZSVGs8XgulNpvKLsD8T4WB8w2ofcGE1EvlTru4LCNglSbGhx2E-WCGKuXUee7duYMdLTcaN5rSE2jBJ6b_XAKx/s1600/Posterku.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjMUrNl4xBefGpHS_akhdgz0Hl1N6X930atB9ovpW1YuV2ClN0W2EJS1dZSVGs8XgulNpvKLsD8T4WB8w2ofcGE1EvlTru4LCNglSbGhx2E-WCGKuXUee7duYMdLTcaN5rSE2jBJ6b_XAKx/s1600/Posterku.jpg" /></a></div><br />
</div><div class="separator" style="clear: both; text-align: center;"></div><div style="text-align: justify;"><br />
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</script>Yusuf Arif Setiawanhttp://www.blogger.com/profile/11644313448106640269noreply@blogger.com1Samarinda, Indonesia-0.502183 117.153801-0.75623150000000006 116.83794400000001 -0.24813450000000004 117.469658tag:blogger.com,1999:blog-2133123732905641044.post-3136717991137225012011-09-07T12:37:00.001+08:002011-09-28T11:15:37.221+08:00KREDIT USAHA RAKYAT perlu diluruskan<br />
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span style="color: black; font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">Mengulas Kredit Usaha Rakyat memang tidak ada habisnya. Dari kontroversi iklan di TV, pernyataan Bapak Menteri tentang penyaluran KUR, anggapan KUR sama dengan uang pemerintah sebagai hibah serta banyaknya penafsiran definis KUR itu sendiri. Dengan melihat banyaknya penafsiran, kita perlu satu definisi. Mengapa? tanpa definisi yang sama sangat mustahil kita akan tahu tujuan sebenarnya program ini mengapa diluncurkan. Dengan satu definisi, dijamin tidak akan ada lagi kecurigaan atau saling blaming terhadap penyaluran Kredit Usaha Rakyat atau yang lebih sering disebut dengan KUR itu.</span><span style="color: black; font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span style="color: black; font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">Salah satu faktor penghambat penyaluran KUR adalah kesan dari instansi terkait di daerah yang beranggapan bahwa KUR adalah sepenuhnya tanggung jawab perbankan. Padahal bila kita cermati dari MOU atau Nota Kesepahaman tentang penyaluran KUR banyak intansi terkait didalamnya. Instansi terkait itu adalah sebagai berikut ; Kemenkeu RI, Kementan RI, Kemenhut RI, KemenDKP RI, Kemenperindag RI, Kemenkop dan UMKM RI, Perum Jamkrindo, Askrindo, BRI, Bank Mandiri, BNI, BTN, Bukopin, dan BSM. Lebih jelasnya silahkan baca MOU, sebelumnya download MOU</span><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-ascii-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><a href="https://docs.google.com/document/d/1jATj6mZYvh84WG8XqRP9U3mJ_eXiaUQ-YueIrZmo8ZQ/edit?hl=en_US"><span style="color: blue;">disini.</span></a></span><span style="color: black; font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span style="color: black; font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">Sebelum membaca MOU pun kita bisa tahu, bahwa tanggung jawab adalah tanggung jawab bersama penanda tangan </span><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-ascii-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">MOU tersebut. Bukankah didaerah-daerah ada SKPD (Satuan Kerja Perangkat Daerah) atau Dinas yang secara vertikal juga menginduk kepada Kementrian-kementrian peserta MOU tersebut diatas? </span><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-ascii-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">Pada Pasal 2, Ruang Lingkup Kerjasama ayat 4, tertulis sebagai berikut :</span><span style="color: black; font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><b><span style="color: black; font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">PIHAK PERTAMA (dalam hal ini Kementerian/SKPD/Dinas : edit red.)</span></b><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-ascii-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">dalam ruang lingkup sebagaimana dimaksud pada ayat (1) Pasal ini mempunyai kewajiban yaitu : --------</span><span style="color: black; font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div><ol start="1" type="1"><li class="MsoNormal" style="color: black; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-align: justify;"><span style="font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">Mempersiapkan Usaha Mikro, Kecil, Menengah dan Koperasi yang melakukan usaha barang dan jasa produktif yang bersifat individu, kelompok, kemitraan dan atau cluster untuk dapat dibiayai dengan kredit/pembiayaan;------------------------------</span><span style="font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></li>
<li class="MsoNormal" style="color: black; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-align: justify;"><span style="font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">Menetapkan kebijakan dan prioritas bidang usaha barang dan jasa yang akan menerima kredit atau pembiayaan;------------------------------------------------------------</span><span style="font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></li>
<li class="MsoNormal" style="color: black; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-align: justify;"><span style="font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">Melakukan pembinaan dan pendampingan selama masa kredit/pembiayaan;----------</span><span style="font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></li>
<li class="MsoNormal" style="color: black; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-align: justify;"><span style="font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">Memfasilitasi hubungan antara usaha Mikro, Kecil, Menengah dan Koperasi dengan pihak lainnya seperti perusahaan inti / offtaker yang memberikan kontribusi dan dukungan untuk kelancaran usaha.</span><span style="font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></li>
</ol><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span style="color: black; font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">Ternyata seperti itu ya.... jadi buat siapa saja ndak boleh kan asal komen. Lihat jobdesknya dulu di MOU.</span><span style="color: black; font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span style="color: black; font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">Lalu kalau</span><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-ascii-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Times New Roman";"> </span><b><span style="color: black; font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">tugas Bank apa dong</span></b><span style="color: black; font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">? ternyata tugas Bank seperti yang tertulis</span><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-ascii-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">Pada Pasal 2, Ruang Lingkup Kerjasama ayat 4, tertulis sebagai berikut :</span><span style="color: black; font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 5.0pt; text-align: justify;"><b><span style="color: black; font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">PIHAK KETIGA (Perbankan : red.)</span></b><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-ascii-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">melakukan penilaian kelayakan usaha dan memutuskan pemberian kredit/pembiayaan sesuai ketentuan yang berlaku pada</span><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-ascii-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Times New Roman";"> </span><b><span style="color: black; font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">PIHAK KETIGA</span></b><span style="color: black; font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">. ---------------</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span style="color: black; font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">Intinya sudah jelaskan. Dinas/SKPD terkait didaerah menciptakan suasana berusaha yang kondusif, menciptakan dan mempersiapkan UMKM agar lebih capable dan prospektif. Selanjutnya setelah usaha UMKM minimal 1 (satu) tahun sudah berjalan, UMKM dapat didorong untuk meningkatkan kapasitas bisnisnya dengan mengajukan pembiayaan usahanya melalui KUR.</span><span style="color: black; font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span style="color: black; font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">Benang merahnya adalah orang yang baru mau memulai usaha</span><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-ascii-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Times New Roman";"> </span><b><span style="color: black; font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">tidak bisa memperoleh Kredit Usaha Rakyat</span></b><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-ascii-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">atau KUR. Mengapa? ya karena usaha yang ditekuni </span><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-ascii-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">harus sudah berjalan. Kalau begitu darimana dapat memperoleh modal untuk memulai berusaha? Modal dapat diperoleh dari tabungan sendiri, istri, mertua, orangtua, teman atau menggadaikan barang berharganya. Modal Usaha itu tidak usah besar. Mengapa? ya karena baru memulai artinya ya belum terlalu ahli. Kalo tidak ahli kerugian pasti menanti. Dari pada rugi besar kan mending rugi kecil. Makanya berlatihlah berusaha dari yang kecil-kecil dahulu atau bisnis yang minim modal.</span><span style="color: black; font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><b><span style="color: black; font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">Benarkah</span></b><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-ascii-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">Kredit Usaha Rakyat atau KUR adalah</span><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-ascii-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Times New Roman";"> </span><b><span style="color: black; font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">Program Hibah</span></b><span style="color: black; font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">? Kredit Usaha Rakyat bukanlah Dana Hibah, KUR bersumber</span><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-ascii-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Times New Roman";"> </span><b><span style="color: black; font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">murni dari dana perbankan</span></b><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-ascii-font-family: "Frutiger 45 Light"; mso-fareast-font-family: "Times New Roman";"> </span><span style="color: black; font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">itu sendiri. Lha kalau kita ngemplang KUR sama aja kita mencuri uang rakyat. Soalnya dana perbankan itukan dana tabungan masyarakat.</span><span style="color: black; font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span style="color: black; font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">Pemerintah hanya membantu memberikan pembayaran premi penjaminan kredit saja. UMKM tidak perlu menanggung biaya premi, UMKM cukup mengupayakan kelancaran angsurannya saja. Premi bukan untuk membayar kredit macet UMKM nanti, tapi untuk membantu menalangi dahulu bila terjadi kemacetan. Jadi bila belum lunas, sampe matipun UMKM akan tetap ditagih oleh pihak Bank.</span><span style="color: black; font-family: "Frutiger 45 Light","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div><script type="text/javascript">
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</script>Yusuf Arif Setiawanhttp://www.blogger.com/profile/11644313448106640269noreply@blogger.com0Samarinda, Indonesia-0.502183 117.153801-0.75623150000000006 116.83794400000001 -0.24813450000000004 117.469658tag:blogger.com,1999:blog-2133123732905641044.post-76609058447009515912009-04-07T08:51:00.005+08:002011-10-12T10:25:24.483+08:00BRI Ekspansi Kredit 40 T, Kabar Gembira buat UKM<div style="text-align: justify;">
<span lang="EN-US">Kliping Kredit dari situs detik com, <a href="http://www.detikfinance.com/read/2009/04/06/181926/1111295/5/bri-siapkan-ekspansi-kredit-3-sektor-rp-40-triliun">Suhendra detikfinance</a><o:p></o:p></span> <br />
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<span lang="EN-US">PT Bank Rakyat Indonesia Tbk (BRI) menyiapkan paket ekspansi kredit sebesar Rp 40 triliun untuk 3 sektor yaitu UMKM, konstruksi dan korporat BUMN.</span> <span lang="EN-US">"Kredit kita bagus, setelah bulan Maret akan ada kenaikan siginifikan yah, sudah dalam bentuk plafon, tinggal pencairan, cukup besar dari UMKM, Konstruksi, BUMN," jelas Direktur Utama BRI Sofyan Basyir saat ditemui di kantor Kadin, Jakarta, Senin (6/4/2009).</span><span lang="EN-US"><br /></span><span lang="EN-US"> </span><span lang="EN-US"><br /></span><span lang="EN-US">Sofyan mengatakan angkanya yang disiapkan pada tahun ini diperkirakan mencapai Rp 40 triliun. Target ekspansi kredit BRI 2009 ini mengalami kenaikan mencapai 18%-20% dari sisi kredit maupun aset, sedangkan untuk laba ditargetkan ada kenaikan 15%-20%.</span> <span lang="EN-US">"Kredit sampai trilwulan satu nggak besar, 3% atau 4%, nanti agak naik itu pertumbuhannya di Juni sampai September pertumbuhannya," jelasnya.</span> <span lang="EN-US"><o:p></o:p></span></div>
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<span lang="EN-US">Seperti diketahui ekspansi kredit BRI pada tahun 2008 mencapai Rp 161,06 triliun naik dari Rp 113,85 triliun pada tahun 2007 atau naik 41% lebih.</span></div>
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<span lang="EN-US"><br /></span><span lang="EN-US">Note : syarat KUR BRI dapat dilihat <a href="http://yusufarif.blogspot.com/2011/09/kredit-usaha-rakyat-bri.html">disini.</a></span><b><span lang="EN-US">(hen/ir)</span></b><span lang="EN-US"><o:p></o:p></span></div>
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Yusuf Arif Setiawanhttp://www.blogger.com/profile/11644313448106640269noreply@blogger.com26tag:blogger.com,1999:blog-2133123732905641044.post-71635235036837359222009-03-27T17:58:00.004+08:002011-10-12T10:37:03.146+08:00Bank Mandiri berikan Kredit Mikro<div style="margin-bottom: .0001pt; margin: 0mm; text-align: justify; text-justify: inter-ideograph;">
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<span class="Apple-style-span" style="font-size: 100%;"><span class="Apple-style-span" style="font-size: small;"><span class="Apple-style-span" style="color: red;">Kliping berita kredit</span></span></span></h2>
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<span class="Apple-style-span" style="font-size: 100%;">Mandiri tambah kredit mikro di Jatim</span></h2>
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<span class="Apple-style-span" style="font-size: 100%;">oleh : Dwi Wahyuni</span></div>
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<span lang="EN-US" style="color: black; font-family: Georgia, serif; font-size: 9pt;">Bank Mandiri siap menambah kucuran kredit untuk sektor mikro di Jawa Timur senilai Rp13 miliar sebagai bagian dari program BUMN itu mendongkrak pertumbuhan kredit kepada pengusaha kecil.<span class="apple-converted-space"> </span>Komitmen tersebut akan disalurkan melalui kerja sama dengan Perusahaan Daerah (PD) Pasar Surya, PT Kelola Mina Laut, PT Indosat Surabaya serta koperasi Sumber Insan Mandiri.<span class="apple-converted-space"> </span><br />"Target market-nya pasarnya adalah para pedagang, penjual voucher pulsa, peternak susu serta nelayan," ujarnya Budi Gunadi Sadikin, Director Micro and Ritail Banking Bank Mandiri acara penandatanganan MoU dengan sejumlah mitra tersebut.<span class="apple-converted-space"> </span>Dia mengatakan Bank Mandiri boleh dikatakan baru belakangan menggarap lebih banyak sektor mikro dibandingkan bank plat merah lainnya. Itu sebabnya untuk tahun ini pihaknya siap melakukan ekspansi dengan sistem bapak angkat.<span class="apple-converted-space"> </span><br />Tahun lalu, total kredit mikro yang telah disalurkan kepada pedagang voucher, nelayan dan pedagang pasar Surya mencapai Rp 7 miliar. Tahun ini bank tersebut siap menyalurkan lagi senilai Rp13 miliar.<span class="apple-converted-space"> </span>"Kami menyadari untuk memulai dan mengembangkan suatu usaha sangat diperlukan adanya modal yang mencukupi, sementara tidak semua calon pengusaha memiliki akses baik untuk mendapatkan dana tersebut," papar Budi.<span class="apple-converted-space"> </span>Fenomena seperti itulah, yang akhirnya mendorong Mandiri membantu calon debitor yang non bankable untuk memperolah akses permodalan dengan sisitem bapak angkat.<span class="apple-converted-space"> <o:p></o:p></span></span></div>
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<span lang="EN-US" style="color: black; font-family: Georgia, serif; font-size: 9pt;">Sampai dengan Desember 2008, total realisasi kredit mikro Mandiri tercatat Rp162,35 miliar. Dana terebut disalurkan kepada pengusaha mikro di seluruh Indonesia. Ekspansi kredit tersebut diharapkan akan mendorong pengembangan UMKM untuk meningkatkan kemandirian didalam mengelola bisnisnya. Bagi internal bank program kemitraan seperti itu dapat menjadi bagian dari upaya mendongkrak pertumbuhan kredit UKM itu sendiri. (tw)<o:p></o:p></span></div>
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<span class="Apple-style-span" style="font-size: 100%;"><span class="Apple-style-span" style="font-size: 12px;">link asli dari <a href="http://web.bisnis.com/keuangan/perbankan/1id110116.html">bisnis.com</a></span></span></div>
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<span class="Apple-style-span" style="font-size: 100%;"><b>note :</b> syarat kredit mikro bisa dilihat <a href="http://yusufarif.blogspot.com/2011/09/kredit-usaha-rakyat-bri.html">disini</a></span></div>
Yusuf Arif Setiawanhttp://www.blogger.com/profile/11644313448106640269noreply@blogger.com4tag:blogger.com,1999:blog-2133123732905641044.post-6526694060104878472009-03-27T07:07:00.004+08:002009-03-27T07:20:13.165+08:00Mandiri Kucurkan Rp. 63 Milliar ke Plasma<div style="text-align: justify;"> <p style="margin: 0mm 0mm 0.0001pt; text-align: justify; font-weight: bold;"><span style="font-size:100%;"><span style="font-size: 8pt; font-family: "Tahoma","sans-serif"; color: rgb(51, 51, 51);" lang="EN-US">Kumpulan Cliping Kredit Program Pemerintah, postingan dari Vivanews.com<br /></span></span></p><p style="margin: 0mm 0mm 0.0001pt; text-align: justify;"><span style="font-size:100%;"><span style="font-size: 8pt; font-family: "Tahoma","sans-serif"; color: rgb(51, 51, 51);" lang="EN-US"><br /></span></span></p><p style="margin: 0mm 0mm 0.0001pt; text-align: justify;"><span style="font-size:100%;"><span style="font-size: 8pt; font-family: "Tahoma","sans-serif"; color: rgb(51, 51, 51);" lang="EN-US">PT Bank Mandiri Tbk menyalurkan kredit sebesar Rp 63 miliar kepada 3 koperasi plasma di Kalimantan Barat. Kredit itu dapat digunakan 800 petani plasma, dengan luas kebun kelapa sawit 1.600 hektar yang terletak di Kendawangan, Ketapang, Kalimantan Barat.</span><span style="font-size: 8pt; color: rgb(51, 51, 51);"> </span><span style="font-size: 8pt; font-family: "Tahoma","sans-serif"; color: rgb(51, 51, 51);" lang="EN-US">Ketiga koperasi itu adalah Koperasi Serba Usaha Bersama Rp 23,6 miliar, Koperasi Bina Sari Rp 19,7 miliar dan Koperasi Serba Usaha Karya Bersama Rp 19,7 miliar. Jangka waktu kredit untuk masing-masing koperasi 13 tahun sejak pencairan kredit pertama.<o:p></o:p></span></span></p> <p style="margin: 0mm 0mm 0.0001pt; text-align: justify;"><span style="font-size:100%;"><span style="font-size: 8pt; font-family: "Tahoma","sans-serif"; color: rgb(51, 51, 51);" lang="EN-US">"Termin waktu ini termasuk grace period selama 5 tahun, sehingga kredit akan lunas pada 2022," Kata Wakil Presiden Senior Usaha Kecil Bank Mandiri Rafjon Yahya melalui keterangan tertulis di Jakarta, Kamis 26 Maret 2009.</span><span style="font-size: 8pt; color: rgb(51, 51, 51);"> </span><span style="font-size: 8pt; font-family: "Tahoma","sans-serif"; color: rgb(51, 51, 51);" lang="EN-US">Rafjon menyampaikan, penyaluran kredit ini merupakan bentuk komitmen Bank Mandiri untuk mensukseskan program pemerintah dalam penyaluran Kredit Pengembangan Energi Nabati – Revitalisasi Perkebunan.<br />Penyaluran kredit Program Revitalisasi Perkebunan ini akan diarahkan pada sentra-sentra perkebunan yang tersebar di wilayah Riau, Sumut, Sumbar, Jambi, Sumatera Selatan, Kalimantan Selatan, Kalimantan Barat, Kalimantan Tengah, Kalimantan Timur, dan Sulawesi. Hingga 31 Desember 2008, Bank Mandiri telah menyetujui fasilitas kredit kepada petani plasma Program Revitalisasi Perkebunan sebesar Rp 1,8 triliun. Kredit ini untuk membiayai 51.898 hektar kebun kelapa sawit milik 26.454 petani plasma.<br />Target debitur untuk Kredit Revitalisasi Perkebunan ini adalah petani anggota koperasi yang dibina dan memiliki perjanjian kerja sama dengan perusahaan inti yang berpengalaman dan memiliki kemampuan finansial yang kuat. “Kami prioritaskan kepada Koperasi yang bermitra dengan Perusahaan Inti debitur Bank Mandiri yang telah memiliki Kebun Inti dan Pabrik Kelapa Sawit," kata Rafjon.<br />Bank Mandiri telah menyalurkan kredit kepada sektor perkebunan dan industri turunannya sebesar Rp 25,6 triliun atau sebesar 16,1 persen dari total kredit Bank Mandiri. Jumlah tersebut teralokasikan kepada perkebunan besar dan perusahaan yang bertindak sebagai Inti proyek perkebunan inti rakyat sebesar Rp 11,4 triliun, koperasi dan petani plasma Rp 2,6 triliun, industri yang mengolah produk perkebunan sebesar Rp 10,2 triliun dan perdagangan/ekspor komoditas perkebunan Rp 1,3 Triliun.</span><span style="font-size: 8pt; color: rgb(51, 51, 51);"> </span><span style="font-size: 8pt; font-family: "Tahoma","sans-serif"; color: rgb(51, 51, 51);" lang="EN-US">Apabila dibandingkan dengan total kredit perbankan nasional yang disalurkan kepada sektor pertanian, sesuai data Bank Indonesia sebesar Rp 66,13 triliun, plafon kredit perkebunan Bank Mandiri sebesar Rp 25,58 triliun merupakan 38,7 persen dari kredit perkebunan nasional.</span></span></p><span style="font-size:100%;"><br /></span><p style="margin: 0mm 0mm 0.0001pt; text-align: justify;"><span style="font-size:100%;"><br /></span></p><p style="margin: 0mm 0mm 0.0001pt; text-align: justify;"><span style="font-size:100%;"><span style="font-size: 8pt; font-family: "Tahoma","sans-serif"; color: rgb(51, 51, 51);" lang="EN-US">Link kutipan dari <a href="http://bisnis.vivanews.com/news/read/43959-mandiri_kucurkan_rp_63_miliar_ke_plasma">viva.news</a></span></span><br /><span style="font-size: 8pt; font-family: "Tahoma","sans-serif"; color: rgb(51, 51, 51);" lang="EN-US"><o:p></o:p></span></p> </div>Yusuf Arif Setiawanhttp://www.blogger.com/profile/11644313448106640269noreply@blogger.com3tag:blogger.com,1999:blog-2133123732905641044.post-68959834962632148552009-02-24T07:42:00.004+08:002011-09-28T11:15:55.651+08:00Tarif Notaris<div style="text-align: justify;">Ini gambaran tarif notaris untuk rekan-rekan UKM bila berhasil memperoleh kucuran kredit dari Lembaga Keuangan. Data ini saya dapatkan pada tahun 2005, semoga masih relevan. Tentu saja, dilapangan bisa jadi berbeda tergantung kondisi. Tag yang umum dalam pengikatan dinotaris adalah Warmeking, Fidusia, APHT, SKMHT, Surat Pengakuan Hutang, Cessie, Roya Hak Tanggungan. Silahkan diklik gambarnya untuk memperbesar obyek.</div><div><br />
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</div><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgI-2LlujcIgWcRv1lwJjvhiQXE5C3NiSIscoY1eh50H_xz_JaSZQ7PvkiR_Pg1CIwhGlPJ3BDSB3J2ClgbLenQoosaWjwt3VzpJVkK7Y8GcJz-HutugzgBELcCpW9nzAE7oPTFdxRVYyRq/s1600-h/noot.jpg"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 271px; height: 400px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgI-2LlujcIgWcRv1lwJjvhiQXE5C3NiSIscoY1eh50H_xz_JaSZQ7PvkiR_Pg1CIwhGlPJ3BDSB3J2ClgbLenQoosaWjwt3VzpJVkK7Y8GcJz-HutugzgBELcCpW9nzAE7oPTFdxRVYyRq/s400/noot.jpg" border="0" alt="" id="BLOGGER_PHOTO_ID_5306142809276362242" /></a><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjPFTTbDnlVDN5ajjAEvkiej5elG5xsN2-qN5gnUEb2RLx2dyWDBykVBzWAwiSDRQQYzsWmNHOQElKISXFe1mMXvzSF9dthk11UzquKTARco6PaGrELfOj-jAcFTETLvhhltqGKO5TYQFqs/s1600-h/noot1.jpg"><br />
<img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 400px; height: 347px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjPFTTbDnlVDN5ajjAEvkiej5elG5xsN2-qN5gnUEb2RLx2dyWDBykVBzWAwiSDRQQYzsWmNHOQElKISXFe1mMXvzSF9dthk11UzquKTARco6PaGrELfOj-jAcFTETLvhhltqGKO5TYQFqs/s400/noot1.jpg" border="0" alt="" id="BLOGGER_PHOTO_ID_5306142652193132978" /></a><br />
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</script>Yusuf Arif Setiawanhttp://www.blogger.com/profile/11644313448106640269noreply@blogger.com0tag:blogger.com,1999:blog-2133123732905641044.post-91517229700183350612009-02-18T06:33:00.005+08:002009-02-18T06:41:12.656+08:00Rp. 1,2T untuk Modal Usaha Mikro<div style="text-align: justify;"><div style="text-align: justify; ">Lagi malas mikir and buat tulisan. Seperti biasa.... cliping berita seputar kredit untuk UKM. Diambil dari surat kabar Harian Tribun Kaltim Edisi hari ini. Lanjut....</div><div><br /></div></div><div><br /></div><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhah1E9UuX8gZpYXuiHgls6qcT7SxCl_xP60-IcKPPlbJTJjQXi7L5Fep2fko4GBvMPEWD-TmQV_SL5KqA9zoa8owUJkRQPujIqONuMl8UtnmaM1b1pWA9RnT_yADI1IlLDO2XN_eeebSUW/s1600-h/pnm2.JPG"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 400px; height: 225px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhah1E9UuX8gZpYXuiHgls6qcT7SxCl_xP60-IcKPPlbJTJjQXi7L5Fep2fko4GBvMPEWD-TmQV_SL5KqA9zoa8owUJkRQPujIqONuMl8UtnmaM1b1pWA9RnT_yADI1IlLDO2XN_eeebSUW/s400/pnm2.JPG" border="0" alt="" id="BLOGGER_PHOTO_ID_5303899482295360418" /></a><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh5GkRPIR9iAHJaIIE0-a99ZD9uUEghthbMn__e-NpZ2k0jux1wnwxYkjFGiSLjbJBKU0WAMsotp4tCCIZSBLE3FPDxre-6n0z_VLyyUgqVUP33wJnAOa3ZM63OVl1mjf9qsSK19zh5u4Ez/s1600-h/pnm1.JPG"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 368px; height: 400px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh5GkRPIR9iAHJaIIE0-a99ZD9uUEghthbMn__e-NpZ2k0jux1wnwxYkjFGiSLjbJBKU0WAMsotp4tCCIZSBLE3FPDxre-6n0z_VLyyUgqVUP33wJnAOa3ZM63OVl1mjf9qsSK19zh5u4Ez/s400/pnm1.JPG" border="0" alt="" id="BLOGGER_PHOTO_ID_5303899243917563138" /></a><br /><div style="text-align: justify;"><br /></div><div style="text-align: justify;"><br /></div><div style="text-align: justify;"><br /></div>Yusuf Arif Setiawanhttp://www.blogger.com/profile/11644313448106640269noreply@blogger.com4tag:blogger.com,1999:blog-2133123732905641044.post-24144275507683811972008-12-06T00:44:00.011+08:002009-02-20T20:28:04.709+08:00Kredit Usaha Rakyat seri.-2 (2009)Salam Kredit,<br /><div style="text-align: justify;"><div style="text-align: justify;"><div style="text-align: justify;"><strong><span style="font-weight: normal;font-size:100%;" ><br />Ada berita bagus buat pemburu kredit yang katanya skimnya mudah, murah dan ringan ini. Bahwasanya tahun 2009, akan segera diluncurkan. Sengaja saya mempostingkan ulang agar berita yang ada didetik.com ini tidak terlewatkan, secara ini cliping soal kredit lah ceritanya. Sumber aslinya bisa ditengok </span><span style="font-size:100%;"><a style="font-weight: normal;" href="http://www.detikfinance.com/read/2008/12/05/213739/1049086/5/sby-siap-tambah-kur-tahun-2009">disini</a></span><span style="font-weight: normal;font-size:100%;" >.</span></strong><span style="font-size:100%;"> Cepet-cepet saja ya bulan januari nanti, soalnya takut ga kebagian. Maklum aja dananya juga sedikit hanya 14 Triliun saja. Mumpung menjelang pemilu, biasanya orang/partai banyak yang tergerak membantu wong cilik dan wong licik :) (baik dalam hal pengucuran maupun pemrosesannya). Ok, silahkan dinikmati dibawah ini...<br /></span></div><span style="font-size:100%;"><strong></strong></span></div><span style="font-size:100%;"><strong><br />Jakarta</strong> - Kredit Usaha Rakyat (KUR) yang diluncurkan pada 5 November 2007 lalu hari ini dievaluasi oleh Presiden SBY bersama para pihak yang terkait. Karena dianggap sukses, di tahun 2009 nanti kredit untuk rakyat kecil ini akan diteruskan. Malahan, nilainya diupayakan akan ditambah.<br /></span></div><span style="font-size:100%;"><br /></span><div style="text-align: justify;"><span style="font-size:100%;">"Akan tetap kita pertahankan dan terus kita kembangkan menjadi Rp 14 triliun. Kita harapkan, ini bisa terus disalurkan ke masyarakat," ujar Presiden SBY saat jumpa pers usai mengikuti evaluasi KUT di Gedung Bank BRI, Jl Jenderal Sudirman, Jakarta, Jumat (5/12/2008).<br /></span></div><span style="font-size:100%;"><br /></span><div style="text-align: justify;"><span style="font-size:100%;">Pada tahun 2008 ini, KUR menyalurkan kredit ke masyarakat senilai Rp 12 triliun dengan jumlah peminjam mencapai lebih dari 1,5 juta orang. Pada 2009 nanti, SBY mengupayakan jumlahnya ditambah lagi menjadi Rp 2 triliun sehingga mencapai Rp 14 triliun.<br /></span></div><span style="font-size:100%;"><br /></span><div style="text-align: justify;"><span style="font-size:100%;">"Ini adalah jalur kedua untuk menciptakan lapangan pekerjaan. Sehingga sektor riil tetap bisa kita jaga," tambah SBY.<br /></span></div><span style="font-size:100%;"><br /></span><div style="text-align: justify;"><span style="font-size:100%;">Dalam kesempatan ini, SBY menyerukan kepada masyarakat untuk mengkonsumsi barang dan jasa yang diproduksi oleh dalam negeri. Dengan ini, perekonomian dalam negeri tetap bisa tumbuh meskipun dunia saat ini sedang dilanda krisis finansial.<br /></span></div><span style="font-size:100%;"><br /></span><div style="text-align: justify;"><span style="font-size:100%;">SBY menambahkan, saat Indoensia dilanda krisis ekonomi pada 1998 lalu, justru sektor-sektor ekonomi mikro yang tahan menghadapi ancaman krisis. Oleh karena itu, dengan memberikan KUR kepada rakyat kecil, diharapkan sektor riil tetap bisa tumbuh.<br /></span></div><span style="font-size:100%;"><br /></span><div style="text-align: justify;"><span style="font-size:100%;">Lebih lanjut, dia mengatakan, pemerintah akan mengekspansi fiskal. Dengan demikian proyek-proyek pembangunan infrastruktur akan terus dilanjutkan. Demikian juga proyek-proyek baru yang menyerap banyak tenaga kerja bisa diciptakan.<br /><br /></span><div style="text-align: justify;"><span style="color: rgb(255, 0, 0);font-size:100%;" >## saya posting ulang dari postingan di detik finance, kontributor Anwar Khumaeni##</span><span style="font-size:100%;"><br /></span></div><span style="font-size:100%;"><br />Salam winter sonata, brrrr... 3 c</span><br /></div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">PS. Untuk syarat pengajuan Kredit Usaha Rakyat silahkan click link / gambar dibawah ini :</div><div style="text-align: justify;">- <a href="http://www.sentrakukm.com/index.php?option=content&task=view&id=178" style="text-decoration: none;">Bank Mandiri</a><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiS1FFFl_bBnayPQRzSDj9HocmCzPOvLLLRhWbEE-5A36td5k-Ak4sDGUO8qvw8Ww4udh9vh_R8vBh8mHPabPLFWD-xNITOlHTdttKKQkXgMuH5gDOuToO8LCADxnZz72Cr4cgYloZoIRJD/s1600-h/Mandiri.JPG"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 200px; height: 186px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiS1FFFl_bBnayPQRzSDj9HocmCzPOvLLLRhWbEE-5A36td5k-Ak4sDGUO8qvw8Ww4udh9vh_R8vBh8mHPabPLFWD-xNITOlHTdttKKQkXgMuH5gDOuToO8LCADxnZz72Cr4cgYloZoIRJD/s200/Mandiri.JPG" alt="" id="BLOGGER_PHOTO_ID_5304853408565332002" border="0" /></a><br /></div><div style="text-align: justify;"> </div><div style="text-align: justify;">- <a href="http://www.sentrakukm.com/index.php?option=content&task=view&id=179" style="text-decoration: none;">Bank BNI</a><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgi62I7TfpT04Hbtwu3fR9zsz5aLrlExys8SXuKQ3TdjA6OlFUF9gNMhpZ9yE6FqSQx4BQ__CCGviH_hMrhIz9XlawgFmvHjhVZStIlOfvWpSmoyTIk2q53XZR8ooLFf7Qr51xHEERHYaq7/s1600-h/BNI.JPG"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 200px; height: 158px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgi62I7TfpT04Hbtwu3fR9zsz5aLrlExys8SXuKQ3TdjA6OlFUF9gNMhpZ9yE6FqSQx4BQ__CCGviH_hMrhIz9XlawgFmvHjhVZStIlOfvWpSmoyTIk2q53XZR8ooLFf7Qr51xHEERHYaq7/s200/BNI.JPG" alt="" id="BLOGGER_PHOTO_ID_5304853702215378610" border="0" /></a>- <a href="http://www.sentrakukm.com/index.php?option=content&task=view&id=180">Bank BTN</a><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhTcbcjgNPoEyuvveVTKHJHWf_ur_U2L1IkvVTZwAR0g5eEzfjmT6731pt7KTIhdfsqHcHKTR4oaRLlqVpXuSNAtVCRnfME9L52DYeqTjBYXJ5K9stbR1s2Lo7I-rK9Z_EydOsCO61_q7xm/s1600-h/BTN.JPG"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 108px; height: 200px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhTcbcjgNPoEyuvveVTKHJHWf_ur_U2L1IkvVTZwAR0g5eEzfjmT6731pt7KTIhdfsqHcHKTR4oaRLlqVpXuSNAtVCRnfME9L52DYeqTjBYXJ5K9stbR1s2Lo7I-rK9Z_EydOsCO61_q7xm/s200/BTN.JPG" alt="" id="BLOGGER_PHOTO_ID_5304854249782800818" border="0" /></a>- <a href="http://www.sentrakukm.com/index.php?option=content&task=view&id=181">Bank Bukopin</a><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEicY5bnbXxNC5kEAU1sRVmVWuTgyD-xjmHaRiP75Q3zknaotttCIewDgTIuf6EIQkh45Qa0KlLU1KFsa8bNjQVZ7wslf6AgsPm6dYLx3JdYtQQpKHuTd-slploZaOv9LGKYSKRBKusDcuqF/s1600-h/bukopin4.JPG"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 128px; height: 200px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEicY5bnbXxNC5kEAU1sRVmVWuTgyD-xjmHaRiP75Q3zknaotttCIewDgTIuf6EIQkh45Qa0KlLU1KFsa8bNjQVZ7wslf6AgsPm6dYLx3JdYtQQpKHuTd-slploZaOv9LGKYSKRBKusDcuqF/s200/bukopin4.JPG" alt="" id="BLOGGER_PHOTO_ID_5304854560549468770" border="0" /></a><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjkHfPmfEVi0ysaze5PZcU_bV-EImtj45JYCkBOFDWZFS-LI1ODOF74Bh2P2IIRdz98AOGiZDT7EK30ddnTk3G-h9sMdK-8Z15zZgKALXnKHtW4T5Axi53YSLzMsJzO2S7z43SrCR16Zvz5/s1600-h/bukopin2.JPG"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 134px; height: 200px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjkHfPmfEVi0ysaze5PZcU_bV-EImtj45JYCkBOFDWZFS-LI1ODOF74Bh2P2IIRdz98AOGiZDT7EK30ddnTk3G-h9sMdK-8Z15zZgKALXnKHtW4T5Axi53YSLzMsJzO2S7z43SrCR16Zvz5/s200/bukopin2.JPG" alt="" id="BLOGGER_PHOTO_ID_5304854556037590770" border="0" /></a><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiFPypzRNidh3SGM7k1USCwesJLy1xwKyxsPIOaEHcNkHEef4LiTn1GoiFN2phkt9wPANdbN2rQja6t9ZkRE89tppjzYwkhZkyg1DtsPpPx_Xkg3jChcgWaSQM971B7AsKUr7Yj0nP7KAC1/s1600-h/bukopin1.JPG"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 128px; height: 200px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiFPypzRNidh3SGM7k1USCwesJLy1xwKyxsPIOaEHcNkHEef4LiTn1GoiFN2phkt9wPANdbN2rQja6t9ZkRE89tppjzYwkhZkyg1DtsPpPx_Xkg3jChcgWaSQM971B7AsKUr7Yj0nP7KAC1/s200/bukopin1.JPG" alt="" id="BLOGGER_PHOTO_ID_5304854556106759474" border="0" /></a><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhr8qdSI3CJJGvYJAGjGJ_TMd8Su7qQ9FCDswmIT9g8M3dm9IDipM871xvcJ7oE0qGzuVpdOIzWZD8NlX2hNyNCy6QlMQIZHbJ-9tH0ftHTvuMpL0P6hUAlI0HCF-FOq_gy-aOQKGMk9zxw/s1600-h/bukopin4.JPG"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 128px; height: 200px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhr8qdSI3CJJGvYJAGjGJ_TMd8Su7qQ9FCDswmIT9g8M3dm9IDipM871xvcJ7oE0qGzuVpdOIzWZD8NlX2hNyNCy6QlMQIZHbJ-9tH0ftHTvuMpL0P6hUAlI0HCF-FOq_gy-aOQKGMk9zxw/s200/bukopin4.JPG" alt="" id="BLOGGER_PHOTO_ID_5304854560444973234" border="0" /></a></div><div style="text-align: justify;">- <a href="http://www.sentrakukm.com/index.php?option=content&task=view&id=182">Bank BSM</a><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiPmBkYXoC_UGz1k0ROSYZrzCWU2SV0OUQZhkchmGQ6qGB6ouPk7Cfb-erIXds19sF8MNhRn_VXhyR3bsOJpDSYLy-FE17FlPlaO47uRiag_Ui-dQbT7IMlZNYz4stnuJspREWnOY1_JOZx/s1600-h/bsm.JPG"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 124px; height: 200px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiPmBkYXoC_UGz1k0ROSYZrzCWU2SV0OUQZhkchmGQ6qGB6ouPk7Cfb-erIXds19sF8MNhRn_VXhyR3bsOJpDSYLy-FE17FlPlaO47uRiag_Ui-dQbT7IMlZNYz4stnuJspREWnOY1_JOZx/s200/bsm.JPG" alt="" id="BLOGGER_PHOTO_ID_5304855090055294498" border="0" /></a><br /></div>Yusuf Arif Setiawanhttp://www.blogger.com/profile/11644313448106640269noreply@blogger.com6tag:blogger.com,1999:blog-2133123732905641044.post-72473666262362898612008-12-05T12:55:00.008+08:002008-12-05T13:31:36.000+08:00Tips lolos ujian seleksi karyawan Bank seri : 1<div style="text-align: justify;">Saya ingin membagi tips, bagaimana cara lolos seleksi karyawan Bank. Sebenarnya juga bukan tips hebat sih, soalnya saya baru lolos lulus seleksi menjadi karyawan bank juga baru empat kali. Pertama, ketika barusan selesai lulus kuliah dan menjadi karir pertama hidup saya dibank, yang kedua ketika telah bekerja dengan masa kerja kurang lebih dua tahun (namun tidak jadi pindah, soalnya beda prinsip dan keyakinan), ketiga ketika setelah mempunyai masa kerja dibank selama lima tahun (alasannya sih, karena ingin punya pengalaman baru dan mendampingi istri baru). Kebetulan saat itu cabang yang akan dibuka ada dikota calon istri saya. Sedangkan yang keempat adalah setelah setahun dikota tersebut, hanya iseng sih (tes kemampuan saja), jadi ya tidak saya ambil.<br /><br />Tapi sebelumnya saya ingin memberikan gambaran awal dahulu kepada rekan-rekan yang memang berminat berkarir didunia perbankan. Sesungguhnya gambaran industri perbankan tidaklah seindah dari uniform atau design gedungnya yang selama ini kita lihat. Tapi kembali saya tegaskan juga diawal, dimanapun kita bekerja sesungguhnya juga tidak mudah. Bahwasanya dimanapun kita berada kendala atau barrier pasti ada sesuai dengan kapasitas kita tentunya. Yang pasti bekerja itu ya capek, karena banyak yang dipikir tentunya.<br /><br />Bekerja dibank itu tidak enak lho. Kenapa? soalnya kerjanya hanya mikirin uang orang. Kerja delapan jam tapi gajinya sedikit. Tiap hari mikirin target cabang sudah tercapai atau belum. Sering lembur lagi, makanya tidak heran secara umum karyawan bank itu pulangnya biasanya malam. Satu lagi kalau rambutnya tidak putih, pasti botak. Saya saja waktu itu memilih rambut jadi putih saja, ternyata malah dikasih rambut rontok (menuju botak) hehehe....<br /><br />Gambaran gaji kecil, tapi kerja rodi itu kayak gini. Untuk yang fresh graduate, bila posisi clerical paling-paling rangenya antara satu juta sampai dua jutaan saja. Sedangkan untuk posisi manajemen trainee, startnya mulai dari dua setengah juta sampai lima jutaan. Tetapi ngomong soal gaji jangan terlalu dimasukin hati. Insya Allah, rezeki itu tidak bisa terlalu dimatematikakan. Saya yang tidak terlalu neko-neko sewaktu kerja dibank juga, cukup-cukup saja kok. Bisa nabung, bisa jalan-jalan, bisa bayar kuliah lagi, bisa ngapain-ngapain deh.<br /><br />Wah ini pembukaannya panjang banget ya, jadi lupa kasih tipsnya. Iya deh diseri ke dua akan saya lanjutkan postingannya. Selain tips, akan saya upload juga jobdesk masing-masing personal perbankan.<br /><br />Salam winter sonata<br /></div>Yusuf Arif Setiawanhttp://www.blogger.com/profile/11644313448106640269noreply@blogger.com2tag:blogger.com,1999:blog-2133123732905641044.post-80709544243032828042008-10-13T23:31:00.003+08:002008-10-13T23:47:44.079+08:00Telkom Kucurkan Dana PUKK Rp 915 Juta<div style="text-align: justify;">Berhubung miskin bandwith, ga pakai kompi sendiri dan pinjam internet keluarga, coba-coba deh posting buat isi kekosongan ngeblog. Itung-itung kliping berita seputar kredit UKM.<br /></div><br /><div style="text-align: justify;">PT Telkom Datel Samarinda kembali mengucurkan dana senilai Rp 915 juta kepada 57 orang mitra binaannya lewat program Pembinaan Usaha Kecil dan Koperasi (PUKK) di Plaza Telkom Jl Awang Long, Senin (13/10). Sehingga total dana yang digulirkan sejak 2002 sampai sekarang sudah mencapai Rp 11,9 miliar dengan menghimpun 779 orang mitra binaan.<br /><br />Bantuan pinjaman modal usaha ini diserahkan Deputi General Manager Telkom Samarinda, Taufik Qurokhman. Program rutin yang digelar tiap tiga bulan ini juga dihadiri Asisten II Sekretaris Kota Samarinda, Zulfakar.<br /><br />Dalam sambutannya, Zulfakar menyambut baik program Community Development (Comdev) Telkom dalam upaya menggairahkan perekonomian bagi para pengusaha kecil. "Justru para pengusaha kecil ini yang mampu bertahan terhadap segala goncangan krisis ekonomi yang melanda. Sehingga mereka perlu didukung dalam bentuk pemberian modah usaha," kata Zulfakar.<br /><br />Diharapkan, langkah-langkah yang dilakukan Telkom dalam upaya mengembangkan perekonomian para pengusaha kecil ini bisa diikuti oleh perusahaan lain. Di samping itu, lanjut Zulfakar, para pengusaha kecil ini juga telah mampu menyerap tenaga kerja di lingkungan sekitarnya sehingga bisa mengurangi angka pengangguran.<br /><br />"Maka itu, kehadiran para pengusaha kecil ini perlu didukung," tambahnya. Diharapkan, program ini bisa berlanjut serta semakin ditingkatkan di masa mendatang. Taufik mengungkapkan tingkat pengembalian pinjaman masih belum tertib dilakukan sebagian kecil mitra binaan.<br /><br />"Dari sekitar Rp 12 miliar dana yang sudah digulirkan, tunggakannya mencapai 18 persen atau sekitar Rp 2 miliar," jelas Taufik. Ia mengimbau agar mitra binaan bisa mengembalikan pinjaman tepat waktu atau tertib sehingga dana tersebut bisa segera digulirkan lagi buat calon mitra binaan lainnya.<br /><br />"Kami menyisihkan laba perusahaan sekitar 10 persen untuk program pembiayaan ini. Program ini juga dilakukan Telkom secara nasional dalam upaya mengembangkan perekonomian bangsa. Sehingga kami berharap dana yang dikucurkan ini bisa bermanfaat bagi seluruh mitra binaan kami," tuturnya.<br /><br />Herry, seorang mitra binaan, mengaku beruntung mendapat pinjaman sebesar Rp 20 juta dalam upaya mengembangkan kios jual-beli handphone dan voucher. Pinjaman ini sudah ketiga kalinya ia peroleh. "Saya lega permohonan pinjaman modal saya dikabulkan. Terlebih proses peminjamannya tidak terlalu rumit dengan syarat yang teramat mudah," tuturnya.<br /><br />(dikutip bulat-bulat dari <a href="http://www.tribunkaltim.com/read/artikel/9756">Tribun Kaltim</a>)<br /><br /></div>Yusuf Arif Setiawanhttp://www.blogger.com/profile/11644313448106640269noreply@blogger.com5tag:blogger.com,1999:blog-2133123732905641044.post-5863414848877397832008-09-29T15:33:00.005+08:002011-09-28T11:16:27.904+08:00Tujuan Pembiayaan<span lang="EN-US" style="font-size:11.0pt;mso-bidi-font-family:"Calibri","sans-serif";mso-ascii-theme-font:minor-latin; mso-fareast-font-family:"MS 明朝";mso-fareast-theme-font:minor-fareast; mso-hansi-theme-font:minor-latin;mso-bidi-Times New Roman"; mso-bidi-theme-font:minor-bidi;mso-ansi-language:EN-US;mso-fareast-language: JA;mso-bidi-language:AR-SAfont-family:";font-size:10.0pt;"><div><span class="Apple-style-span" style="font-family: 'times new roman';"><span class="Apple-style-span" style="font-size: medium;">Tulisan ini merupakan sambungan dari posting sebelumnya.</span></span></div><div><span class="Apple-style-span" style="font-family: 'times new roman';"><span class="Apple-style-span" style="font-size: medium;"><br />
</span></span></div><span class="Apple-style-span" style="font-family: 'times new roman';"><div style="text-align: justify;"><span class="Apple-style-span" style="font-size: 16px; ">Seringkali ditemukan dilapangan bahwasanya calon nasabah pembiayaan bila ditanyakan pembiayaannya sulit mengidentifikasikan tujuan pembiayaannya secara jelas. Kadang secara lisan disampaikan ybs hanya pokoknya begini-begini dan begitu, namun ketika didesak untuk merincikan maksudnya ybs cukup kesulitan untuk menjelaskannya. Kelemahan lain yang ditemukan adalah dalam permohonan secara tertulis juga kurang begitu jelas maksud tujuan pembiayaan usaha yang dimohonkannya. Semoga sedikit uraian ini membantu calon nasabah pembiayaan dapat mengkomunikasikannya kepada Bank, apa yang hendak dipropose. (yang harus diingat, tukang kredit yang kita temui lah yang akan memperjuangkan permohonan kita di komite kredit nantinya).</span><br />
</div></span></span><div><span class="Apple-style-span" style="font-family: 'times new roman';"><span class="Apple-style-span" style="font-size: medium;"><br />
</span></span></div><div style="text-align: justify;"><span class="Apple-style-span" style=" ;"><span lang="EN-US" style=""><span class="Apple-style-span" style="font-family: 'times new roman';"><span class="Apple-style-span" style="font-size: medium;">Dalam tujuan pembiayaan hendaknya mampu mengkomunikasikan masalah yang akan disampaikan, dimana hal ini merupakan langkah yang paling penting bagi tukang kredit dalam memulai kegiatan analisa. Bilamana hal ini tidak jelas dijabarkan dari awal, maka pendekatan logis terhadap data yang akan dikaji tidaklah mungkin dapat dilakukan dan oleh karenanya analisa yang akan disusun tidak akan berarti. Mungkin saja, misalnya setelah mempelajari data-data yang ada, persepsi Bank atas kebutuhan pembiayaan nasabah berbeda dengan apa yang telah diutarakan oleh debitor itu sendiri dan oleh karenanya memerlukan formulasi paket pembiayaan yang lebih tepat guna untuk kebutuhan nasabah tersebut.</span></span></span><span class="Apple-style-span" style="font-family: 'times new roman';"><span class="Apple-style-span" style="font-size: medium;"><br />
</span></span></span></div><div style="text-align: justify;"><span class="Apple-style-span" style="font-family: 'times new roman';"><span class="Apple-style-span" style="font-size: medium;"><br />
</span></span></div><div><span class="Apple-style-span" style=" ;"><span lang="EN-US" style=""><span class="Apple-style-span" style="font-family: 'times new roman';"><span class="Apple-style-span" style="font-size: medium;">Adapun langkah-langkah penelaahan yang dilakukan tukang kredit adalah sebagai berikut :</span></span></span><span class="Apple-style-span" style="font-family: 'times new roman';"><span class="Apple-style-span" style="font-size: medium;"><br />
</span></span></span></div><div><span class="Apple-style-span" style="font-family: 'times new roman';"><br />
</span></div><div><span class="Apple-style-span" style=" ;"><span class="Apple-style-span" style="font-family: 'times new roman';"><span class="Apple-style-span" style="font-size: medium;">A. Penjabaran tujuan pemakaian fasilitas pembiayaan yang akan diajukan, misalnya :</span></span></span></div><div><ol><li style="text-align: justify;"><span class="Apple-style-span" style=" ;"><span lang="EN-US" style=""><span class="Apple-style-span" style="font-family: 'times new roman';"><span class="Apple-style-span" style="font-size: medium;">Kebutuhan investasi barang modal (pembiayaan jangka panjang)? </span></span></span></span><span lang="EN-US" style=""><span class="Apple-style-span" style="font-family: 'times new roman';"><span class="Apple-style-span" style="font-size: medium;">Rincian jenis barang modal yang diperlukan dan diminta untuk dibiayai termasuk penggunaan dari barang modal tersebut guna mendukung perolehan oleh nasabah dana kas untuk pelunasan hutang pembiayaan tersebut. Juga ulasan sifat dan spesifikasi barang modal tersebut, alternative barang modal pesaing yang ada di Indonesia, perbandingan umur ekonomis dan teknologis dengan jangka waktu pembiayaan, dan proyeksi nilai barang modal tersebut pada akhir pembiayaan.</span></span></span><span class="Apple-style-span" style="font-family: 'times new roman';"><span class="Apple-style-span" style="font-size: medium;"><br />
</span></span></li>
<li><span class="Apple-style-span" style=" ;"><span lang="EN-US" style=""><span class="Apple-style-span" style="font-family: 'times new roman';"><span class="Apple-style-span" style="font-size: medium;">Ambil alih hutang nasabah dari kreditur yang ada (mengapa)?</span></span></span><span class="Apple-style-span" style="font-family: 'times new roman';"><span class="Apple-style-span" style="font-size: medium;"><br />
</span></span></span></li>
<li><span class="Apple-style-span" style=" ;"><span lang="EN-US" style=""><span class="Apple-style-span" style="font-family: 'times new roman';"><span class="Apple-style-span" style="font-size: medium;">Perencanaan perpajakan (caranya) ?</span></span></span><span class="Apple-style-span" style="font-family: 'times new roman';"><span class="Apple-style-span" style="font-size: medium;"><br />
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<li><span class="Apple-style-span" style=" ;"><span lang="EN-US" style=""><span class="Apple-style-span" style="font-family: 'times new roman';"><span class="Apple-style-span" style="font-size: medium;">Usaha baru (hati-hati) ?</span></span></span><span class="Apple-style-span" style="font-family: 'times new roman';"><span class="Apple-style-span" style="font-size: medium;"><br />
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<li><span class="Apple-style-span" style=" ;"><span lang="EN-US" style=""><span class="Apple-style-span" style="font-family: 'times new roman';"><span class="Apple-style-span" style="font-size: medium;">Pembiayaan keperluan modal kerja :</span></span></span></span></li>
</ol><div><ul><li><span class="Apple-style-span" style=" ;"><span lang="EN-US" style=""><span class="Apple-style-span" style="font-family: 'times new roman';"><span class="Apple-style-span" style="font-size: medium;">Pembiayaan persediaan barang dan piutang dagang yang mungkin merupakan kebutuhan jangka panjang (revolving working capital financing).</span></span></span></span><span class="Apple-style-span" style="font-family: 'times new roman';"><span class="Apple-style-span" style="font-size: medium;"><br />
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<li><span class="Apple-style-span" style=" ;"><span lang="EN-US" style=""><span class="Apple-style-span" style="font-family: 'times new roman';"><span class="Apple-style-span" style="font-size: medium;">Penambahan musiman dalam aktiva lancar yang merupakan kebutuhan jangka pendek (seasonal working capital financing).</span></span></span><span class="Apple-style-span" style="font-family: 'times new roman';"><span class="Apple-style-span" style="font-size: medium;"><br />
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</ul><div style="text-align: justify;"><span class="Apple-style-span" style=" ;"><span class="Apple-style-span" style="font-family: 'times new roman';"><span class="Apple-style-span" style="font-size: medium;">B. Mengulas perubahan-perubahan, bila ada dalam fasilitas pembiayaan yang ada dalam kaitannya dengan fasilitas pembiayaan yang terdahulu.</span></span></span></div><div><span class="Apple-style-span" style="font-family: 'times new roman';"><span class="Apple-style-span" style="font-size: medium;"><br />
</span></span></div><div><span class="Apple-style-span" style=" ;"><span lang="EN-US" style=""><span class="Apple-style-span" style="font-family: 'times new roman';"><span class="Apple-style-span" style="font-size: medium;">Kira-kira seperti itulah tahap awal analisa tukang kredit terhadap permohonan kredit kita.</span></span></span><span class="Apple-style-span" style="font-family: 'times new roman';"><span class="Apple-style-span" style="font-size: medium;"><br />
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</span></span></div><div><span class="Apple-style-span" style=" ;"><span class="Apple-style-span" style="font-family: 'times new roman';"><span class="Apple-style-span" style="font-size: medium;">Salam,</span></span></span></div></div></div><script type="text/javascript">
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</script>Yusuf Arif Setiawanhttp://www.blogger.com/profile/11644313448106640269noreply@blogger.com0tag:blogger.com,1999:blog-2133123732905641044.post-64729386448365680992008-09-21T01:30:00.002+08:002011-10-14T16:45:26.942+08:00Analisa Pembiayaan Bank / Analisa Kredit Bank<div style="text-align: justify;">
<span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Lama tidak menulis dan menengok blog ini (mungkin banyak pertanyaan dan komentar yang tidak saya balas, mohon dimaafkan ya).... </span></div>
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<span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Menyambung soal Analisa kredit, saya coba bahas secara bersambung. Semoga membantu pencerahan bagi temen-temen yang tidak berkecimpung diperbankan Melongok pekerjaan tukang kredit rasanya perlu sekali dipahami. Dengan paham apa yang dikerjakan mereka, kita jadi tahu hak-hal apa saja yang perlu kita siapkan. Mengenai contoh kertas kerjanya dapat didownload pada link yang telah saya sediakan disebelah kanan atau dipostingan sebelumnya. Selanjutnya dibawah ini saya coba uraikan ..</span></div>
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<span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span lang="EN-US">Analisa pembiayaan usaha nasabah adalah salah satu syarat utama dalam pengajuan usulan pembiayaan. Pendekatan ini tidaklah merupakan hal yang pelik. Pada akhirnya, pengalaman, dan kemampuan pengkaji melakukan proses pemikiran yang logis dan menyeluruh dalam melakukan analisa akan sangat menentukan dalam merekayasa suatu rekomendasi usulan pembiayaan. Kekurangan atas unsur-unsur diatas dapat mengakibatkan proses pembuatan keputusan akan kurang sempurna, bahkan salah. Untuk itudalam melakukan analisa, pengkaji perlu melakukan penyelidikan dan mensortir segenap elemen-elemen yang relevan dari suatu problema, sehingga komponen-komponen yang penting dapat diidentifikasi, dipertimbangkan bobot pentingnya dan dikaji dalam sekuensi yang tepat, yang pada akhirnya dapat menghasilkan suatu analisa yang jelas dan mengarah kepada pengambilan alternatif kebijaksanaan yang relevan. Analisa pembiayaan hendaknya mengikuti tahapan-tahapan sebagai berikut :</span></span></div>
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<li style="text-align: justify;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Data Pemohon / Nasabah</span></li>
<li style="text-align: justify;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><a href="http://yusufarif.blogspot.com/2008/09/tujuan-pembiayaan.html">Tujuan Pembiayaan</a></span></li>
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<li style="text-align: justify;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Analisa Keuangan Nasabah</span></li>
<li style="text-align: justify;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Analisa Agunan</span></li>
<li style="text-align: justify;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Analisa Resiko Pembiayaan</span></li>
<li style="text-align: justify;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Kesimpulan dan Rekomendasi</span></li>
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<span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Setiap tahapan analisa hendaknya dilakukan secara menyeluruh dan eksplisit atas data yang berkaitan dengan suatu problema, untuk menghasilkan suatu pengkajian yang komprehensip dan logis.</span></div>
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<span class="Apple-style-span"><span lang="EN-US"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Analisa pembiayaan nasabah disusun dalam bentuk <a href="http://yusufarif.blogspot.com/2008/05/mengintip-kertas-tukang-kredit.html">Memorandum Analisa Pembiayaan</a>. Gambaran setiap tahapan analisa diatas baik dari segi kualitatif maupun kuantitatif. Analisa aspek kuantitatif ditunjang oleh piranti analisa yang disebut spread sheet yang merupakan format laporan keuangan untuk menyaring data keuangan yang tertera dalam laporan keuangan nasabah. Sementara penjabaran tahapan-tahapan analisa tersebut lebih menjurus untuk nasabah yang berusaha dibidang perdagangan dan industry (manufacturing), format analisa tersebut dapat juga dipakai sebagai referensi format untuk menganalisa nasabah non perdagangan/industry (manufacturing) seperti bank, Lembaga Keuangan Bukan Bank dan Jasa Usaha lainnya.</span></span></span></div>
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<span class="Apple-style-span"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Bersambung..............</span></span></div>
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</div>Yusuf Arif Setiawanhttp://www.blogger.com/profile/11644313448106640269noreply@blogger.com8tag:blogger.com,1999:blog-2133123732905641044.post-44317511879802257472008-05-26T08:06:00.008+08:002008-05-26T08:19:50.742+08:00Surat Utang Koperasi<div style="text-align: justify;">Info lumayan buat koperasi yang perlu likuiditas lebih, sayang detil sisdurnya tidak ada. Kira-kira ada yang bisa berbagi info dengan saya mengenai hal ini?<br /><br /><div style="text-align: justify;">Bagi rekan yang ingin tahu, ini copy paste saya dari situsnya depkop. Monggo dilanjut.... oiya link aslinya dari <a href="http://www.depkop.go.id/berita/media-massa/pemerintah-memperkenalkan-surat-utang-koperasi-suk.html">sini</a><br /></div><br />JAKARTA: Pemerintah memperkenalkan surat utang koperasi (SUK) yang merupakan inovasi pembiayaan jangka panjang di luar sektor perbankan, untuk untuk memperkuat struktur keuangan koperasi.<br /></div><br /><div style="text-align: justify;">SUK juga dapat berperan sebagai alat untuk menghimpun dana untuk memenuhi kebutuhan likuiditas koperasi yang cukup besar. Untuk mengetahui lebih jauh tentang program ini, Bisnis mewawancarai Akhmad Junaidi, Asisten Deputi Urusan Restrukturisasi Usaha pada Kementerian Koperasi dan UKM. Petikannya:<br /></div><br /><strong>Koperasi menerbitkan surat utang. Rating harus dilakukan?</strong><br /><br /><div style="text-align: justify;">Harus. Itu menunjukkan kemampuan koperasi mengembalikan pinjaman. Pokok pinjaman yang disekuritisasi. Koperasi A NPL-nya ditetapkan 5%. Ya, kita membiayai sampai dengan 95%. Yang di-rating itu piutangnya, kemampuan membayarnya. SUK berisi kesanggupan membayar kewajiban, dengan waktu dan bunga yang ditetapkan.<br /></div><br /><strong>Pelaku yang dibutuhkan apa saja?</strong><br /><br /><div style="text-align: justify;">Tiga, yakni koperasi penerbit, pengelola, dan penatalaksana dana. Ditambah lagi harusnya ada yang namanya lembaga profesi jasa penunjang, seperti notaris, dan akuntan. Kalau nanti dikomersialisasi [diperjual belikan] harus menambah manajer investasi dan underwriter. Kita baru punya empat.<br /></div><br /><strong>Kenapa penatalaksana diserahkan ke Pos Indonesia?</strong><br /><br /><div style="text-align: justify;">Kami ini kan, pemerintah. Tidak bisa menyalurkan dana secara langsung, memberi pinjaman atau membeli surat utang koperasi. Nanti 'dimarahi' sama departemen keungan. Oleh karena itu bekerja sama dengan penata laksana dana untuk mewakili program kami, sebagai kuasa Kemenkop untuk jalankan proyek ini. Kalau ada yang menerbitkan SUK kami menjamin pembeliannya.<br /></div><br /><strong>Kenapa Pos?</strong><br /><br /><div style="text-align: justify;">Karena dia mempunyai izin usaha, bisa bisnis jasa keuangan, mempunyai jaringan banyak, fasilitas pembukaan rekening. Kami bukan menjamin risiko. IKSP [induk koperasi simpan pinjam] yang menyeleksi penerbit dan menanggung risikonya.<br /></div><br /><strong>Pemeringkat koperasi dan underwriter-nya IKSP?</strong><br /><br /><div style="text-align: justify;">ISKP dan Inkopsyah-BMT yang menyediakan daftar calon penerbit surat utang. Ini bagian dari performa dia. Kami ingin mendidik agar mereka bisa lebih tertib dalam mengelola dana, karena nanti dia jualan sendiri ke anggota ya, harus begitu. Saya yakin dengan makin ketat persyaratan, orang makin percaya.<br /></div><br /><strong>Bagaimana agar surat itu bisa diperjualbelikan?</strong><br /><br /><div style="text-align: justify;">Kalau ini kami evaluasi hasilnya bagus, bisa masuk ke fase komersialisasi. Artinya, dana yang dihimpun KSP [koperasi simpan pinjam] bukan dari pemerintah, tetapi masuk ke pasar sekunder.<br /></div><br /><div style="text-align: justify;">Ini bisa saja kalau tertib dan bagus, kami akan kumpulkan penerbit surat utang itu, cari kesepakatan, dan mencari investor yang mau membeli. Kumpulan dari penerbit SUK ini bisa kita sekuritisasi, misalnya membuat kontrak investasi kolektif efek beragun aset (KIK-EBA). Tinggal carikan investornya, mungkin dana pensiun. Kalau bentuknya SUK, dijual ke dana pesiun tidak boleh.<br /></div><br /><div style="text-align: justify;">Sekarang ada aturan baru Bappepan-LK tentang KIK-EBA untuk tujuan khusus di atas Rp1 miliar. Ini bisa dijalankan. Koperasi yang kita danai bisa menjual KIK-EBA lebih dari Rp1 miliar.<br /></div><br /><div style="text-align: justify;">Ini bisa kalau perangkatnya ada. Ini instrumen jauh lebih gampang, lebih sederhana, karena menerbitkan SUK bisa dalam satu entity. Nanti koperasi akan mudah mencari uang di pasar modal.<br /></div><br /><div style="text-align: justify;">Kita tunggu saja, KIK-EBA untuk tujuan khusus. Kami akan koordinasi dengan Bapeppam LK, kalau bisa nominalnya bisa kurang dari Rp1 miliar agar calon pembelinya lebih banyak.<br /></div><br /><strong>Butuh berapa lama?</strong><br /><br /><div style="text-align: justify;">Saya berharap tahun ini kami konsultasi dengan Bappepan. Kami punya pilot project selama dua tahun. Hasilnya seperti ini, bisa nggak masuk ke tahap ini.<br /></div><br /><strong>Dari pihak koperasi, apa yang perlu disiapkan?</strong><br /><br /><div style="text-align: justify;">Koperasi sudah matang tinggal administrasinya. Ibaratnya, mereka [induk koperasi] ini sudah seperti nyetir mobil mercy, [koperasi penerbit] barangnya sudah bagus.<br /></div><br /><strong>Regulasi bagaimana?</strong><br /><br /><div style="text-align: justify;">Tahun ini baru kami siapkan regulasi SUK. Aturannya seperti apa. Yang kita punya baru tahap proyek. Regulatornya sepanjang menyangkut KSP ya, di sini.<br /></div><br /><div style="text-align: justify;">Akan tetapi pada saat dikomersialisasikan melalui pasar modal ya, diintegrasikan ke sana. Bagian simpan pinjam diselesaikan di sini, kan, ada pejabat penilai kesehatan koperasi.<br /></div><strong><br />Semua koperasi bisa terbitkan SUK?</strong><br /><br /><div style="text-align: justify;">Kami tidak akan melayani KSP yang tidak terintegrasi dengan sekundernya, harus harus via sekunder. Kami inginkan yang terintegrasi, artinya ada proses standardisasi. Saat ini mulai ada pendidikan kompetensi simpan pinjam.<br /></div><br />Pewawancara: Moh. Fatkhul Maskur<br /><div style="text-align: justify;">Sumber : Bisnis Indonesia</div>Yusuf Arif Setiawanhttp://www.blogger.com/profile/11644313448106640269noreply@blogger.com3tag:blogger.com,1999:blog-2133123732905641044.post-6910210383244558092008-05-24T00:34:00.010+08:002011-09-28T11:16:44.093+08:00Mengintip Kertas Tukang Kredit<div style="text-align: justify;">Sering kita menjumpai pertanyaan seperti ini : kredit ini syaratnya apa ya?, kredit itu syaratnya harus bagaimana ya? Sejatinya jawabannya tidak banyak, jawabannya adalah syarat kredit adalah semua sama baik di Bank Konvensional maupun di Bank Syariah. Biarpun kredit itu nilainya miliaran rupiah, ataupun hanya jutaan rupiah penilaiannya juga tetap sama dan syaratnya sama. Kredit program atau kredit komersiil juga sama, hanya beda di treatment dan adjustment saja. Intinya 5c kita dapat memberikan rasa nyaman buat analis bank. Makanya kebanyakan karyawan bank lebih suka memproses pembiayaan atau kredit yang nilai nominalnya lebih besar. Selain capeknya sama, pusingnya sama, target pencairan kredit dan target laba lebih cepat tercapai bila nominal besar didahulukan.<br />
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Dibawah ini saya coba berikan link bagi teman-teman yang ingin tahu seperti apa sih kertas kerja penilaian pengajuan kredit disebuah bank. Saya pikir berguna buat calon debitur baru bank, pelamar pekerjaan di bank, pindah posisi di Analis kredit, atau sekedar ingin tahu saja.<br />
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Silahkan di<span style="font-weight: bold;">DOWNLOAD DISINI</span> :<br />
<ul><li><a href="http://www.box.net/shared/xbpwmg2ogg">NOTA ANALISA PEMBIAYAAN INVESTASI <span style="font-style: italic;">download disini</span></a> sedangkan <a href="http://www.box.net/shared/199q0sco4g">LAMPIRANnya <span style="font-style: italic;">download</span><span style="font-style: italic;"> disini</span></a></li>
<li><a href="http://www.box.net/shared/54yuh35wgo">NOTA ANALISA PEMBIAYAAN MODAL KERJA <span style="font-style: italic;">download disini</span></a> sedangkan <a href="http://www.box.net/shared/wdkgzlmgw0">LAMPIRANnya <span style="font-style: italic;">download disini</span></a><a style="font-weight: bold; font-style: italic;" href="http://www.box.net/shared/wdkgzlmgw0"><br />
</a></li>
<li><a href="http://www.box.net/shared/pz6widgcg4">NOTA ANALISA PEMBIAYAAN KONTRUKSI <span style="font-style: italic;">download disini</span></a> sedangkan <a href="http://www.box.net/shared/01nnq2rcwk">LAMPIRANnya <span style="font-style: italic;">download disini</span></a></li>
<li><a href="http://www.box.net/shared/873lzvv48w">NOTA ANALISA PEMBIAYAAN KONSUMTIF <span style="font-style: italic;">download disini</span></a></li>
</ul>Nah setelah lihat kertas kerja diatas, jadi ngerti kan isi kepala tukang kredit? hehehe... Ini ada CONTOHnya bila pengin sedikit tahu, DOWNLOAD <a href="http://www.box.net/shared/h1puspx0c8">disini</a>. Tentunya cara menganalisanya ya tidak persis plek seperti acuan diatas, hal ini tergantung kapasitas usaha, mood, style, dan mungkin untuk Usulan kredit UKM ya ada sebagian yang tidak digunakan. Tergantung kebutuhan saja.<br />
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Oke, silahkan diintip, semoga bermanfaat. Salam sukses selalu.<br />
<br />
yas<br />
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