Portfolio Management for Fast Growing Mfi

In: Business and Management

Submitted By dupi
Words 1657
Pages 7
Tahun 2011 telah kita lewati dengan baik dengan prestasi baik yang tertulis bahwa kredit mikro Bank Mandiri telah melakukan pencapaian terbaik salah satu sepanjang sejarah berdirinya dengan mencapai target baki debet dan kualitas yang terjaga..

Sementara itu, perkembangan bisnis mikro Mandiri selama quartal 1 2012 juga memberikan gambaran yang baik dengan uraian sebagai berikut :

Table pencapaian vs target
Booking
Bade
NPL
DPD

Pertumbuhan bisnis mikro yang kuat dari segi kuantitas juga mengharuskan untuk didukung oleh pertumbuhan bisnis mikro yang kuat dari segi kualitas dan kita juga semua telah memahami bahwa kunci keberlangsung pertumbuhan yang baik adalah dengan menjaga kualitasnya.

Kualitas kredit tidak ditentukan pada saat saat kredit diproses namun juga bahkan dimulai pada saat petugas bank memilih target pasar yaitu memilih mana segmen yang pas yang ingin dibidik dan dijadikan debitur. Setelah segmen pasar, maka kemudian diikuti dengan pemilihan debitur yang juga harus sangat tepat karena walaupun segmennya tepat namun jika pemilihn debitur salah maka besar kemungkinan pula bahwa kredit tersebut akan menjadi bermasalah dikemudian hari.

Verifikasi terhadap debitur menjadi langkah penting berikutnya dalam menjaga kualitas kredit karena verifikasi adalah penjaga pertama dari setiap aplikasi ketika diproses oleh analyst. Analyst berperan sangat penting karena lemahnya analisa serta verifikasi dapat menjadi kunci dalam menjaga kualitas kredit. Analisa Kantor Pusat memperlihatkan bahwa 57% baki debet NPL adalah nasabah baru yang umurnya 6-9 bulan setelah di booking, yang membuktikan masih lemahnya kualitas analisa kredit yang dilakukan karena analyst kurang berkualitas dalam memperkirakan apakah debitur tersebut mmampu untuk melakukan pembayaran selama masa tenor yang diambil seorang debitur.

Pengambilan keputusan yang hati-hati harus…...

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