KUR 0,xxx%
Rakyat Jelata ternyanta taat bayar cicilan kredit :P
Pada 12 Maret 2009 13:29, Gambler.BEJ <gambler....@gmail.com> menulis:
> Wah infonya yg bener 0,84% apa 15% nih ?? jadi binun
>
> ruzli wrote:
>> MacQ Bank Rakyat Indonesia
>> Bank Rakyat Indo: another update from Ferry
>>
>> Ferry Wong (analyst) met with the investor relations team at BRI.
>> Nothing much to add from the conference call we hosted last week. Key
>> take-aways:
>>
>> NPL inched up to above 3% in Feb ’09, vs. 2.9% per Sept-08, vs. Macq
>> forecast of 3.7% NPL for FY09.
>> No lending to Lapindo victims. The reason that PT Minarak Lapindo
>> changed its appointed bank from Mandiri to BRI was mainly because of
>> BRI’s stronger branch numbers, and the majority has an account with
>> BRI.
>> KUR loan going well. NPL remained low (overall NPL for KUR at 0.84% as
>> of Dec-2008, vs. bank industry NPL at 3.8%.
>> Some of the KUR’s customers (about Rp300-400b) have become BRI’s micro
>> segment customers following their repayment of KUR’s loan (9-15 mo
>> program per customer).
>> BRI will expand about 600 micro retail outlets this year (to be called
>> Teras BRI) to focus more on the wet market/traditional market.
>>
>> Ferry re-iterates Outperform rating on BRI as he thinks the bank will
>> benefit from lower interest rate, government projects, and the
>> government’s micro and SME loans program. The stock is on 2009 P/BV of
>> 2.1x, ROE of 29%, and 6.5% div yield.
>>
>> 2009/3/12 ruzli <indeksbei3...@gmail.com>:
>>
>>> Hingga November 2008, enam bank yang mengucurkan KUR adalah BRI, BNI,
>>> Mandiri, BTN, Bukopin dan BSM, dengan total kredit mencapai Rp12,03
>>> triliun bagi 1,56 juta nasabah. Kredit itu dijamin oleh pemerintah
>>> melalui Perum Sarana Pengembangan Usaha (PSPU) dan Askrindo.
>>>
>>> Di antara enam bank pemberi KUR, BRI merupakan penyalur kredit usaha
>>> rakyat tertinggi dengan jumlah Rp8,6 triliun atau 71,5% dari total
>>> KUR. Pengucuran KUR BRI itu terdiri atas Rp5,75 triliun ke sektor
>>> mikro dan Rp2,85 triliun ke sektor ritel, dengan rasio kredit
>>> bermasalah (NPL) sebesar 0,91%.
>>>
>>> Sedangkan BNI menyalurkan KUR Rp1,16 triliun, Bank Mandiri Rp1,13
>>> triliun, Bank Bukopin Rp628 miliar, BSM Rp332 miliar, dan BTN Rp176
>>> miliar.
>>>
>>>
>>> Pada 12 Maret 2009 06:34, Gambler.BEJ <gambler....@gmail.com> menulis:
>>>
>>>> Wah berarti BBRI akan jelek ya performanya karena BBRI kan yg paling
>>>> banyak KURnya, kemaren naik tinggi apa BD sedang dalam proses cuci2
>>>> gudang mumpung sentimennya lagi bagus.
>>>>
>>>> agung aja wrote:
>>>>
>>>>> Bukan nya saat ini perbankan sedang giat ekspansi kredit ke masyarakat pak
>>>>> sepengetahuan saya, kenaikan NPL itu cenderung meningkat akibat adanya
>>>>> program KUR ( Kredit Usaha Rakyat )
>>>>> konon katanya NPL untuk KUR sendiri hampir 15% bahkan lebih
>>>>> karena banyak masyarakat yang tidak mau mengembalikan/mencicil utang
>>>>> mereka
>>>>> ini memang budaya yang aneh dan ajaib tetapi nyata, udah keenakan
>>>>> pinjem duit giliran ditagih tinggal nembak ( Tar..Sok....Tar...Sok...
>>>>> alias ntar dan besok ) malah galakan yang pinjem duit
>>>>> hehehe
>>>>>
>>>>>
>>>>>
>>>>> regards
>>>>>
>>>>>
>>>>>
>>>>>
>>>>>
>>
>
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