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30 March 2020

bank bjb Supports Economic Stimulation through Credit Restructuring

BANDUNG – In order to provide economic support for public  in the midst of turmoil triggered by COVID-19 pandemic, bank bjb is ready to take steps to adjust policies issued by the company, particularly in financing sector. The company is currently preparing guidelines for implementing loan restructuring to stimulate national economy.

As is known, the government itself instructed financial industry players to take tactical steps as soon as possible. President Joko Widodo has directly ordered banks to provide relaxation or lenience, especially for public and business sectors that affected by economic downturn due to the corona virus.

The Financial Services Authority (OJK) has also issued POJK No.11/POJK.03/2020 on National Economic Stimulus as a Countercyclical Policy on the Impact of Spreading Coronavirus Disease 2019 on Thursday (3/19/2020) which encourages credit restructuring to reduce the impact on performance and debtor capacity that will be eroded.

In its provisions, OJK provides a number of policy recommendation options to finance companies, including to reduce interest rates, term extension, reduce interest arrears, increase credit facilities, and convert credit to capital.

Head of Corporate Secretary Division bank bjb Widi Hartoto said that bank bjb would obey government instructions aimed at shoring up the backbone of Indonesian economy, particularly the MSME sector. The company is sorting out a relaxation scheme by identifying the debtors’ prospects and financial performance.

"Policies to stimulate the economy are very important right now. The spirit of mutualism must be put forward. Within this spirit, bank bjb took the initiative to adjust financing policies as a responsive step oriented towards the common interest," said Widi.

Currently the company is still formulating policies so that later the lenience measures can give a significant impact running. During the process of drafting the new provisions, the initial financing policy agreed between company and customer will continue to apply. Guidelines for implementing policies that are being prepared are expected to provide convenience and breadth to customers.

In POJK, it is regulated that relaxation applies to customers who access financing with a limit of less than Rp.10 billion. The implementation of restructuring stimulus is set to take effect for maximum one year. The loan installments referred to are intended more for small-scale informal debtors, micro-businesses, daily-income workers who have credit payment obligations to run their productive businesses.

The category of debtors who receive this special treatment are those who are directly or indirectly affected by the spread of corona virus.

In this case OJK also directs that banks must always be vigilant and careful in implementing policies. Do not let this situation even be exploited by irresponsible parties by providing restructuring to problem customers. OJK instead asked banks to proactively help their debtors by offering appropriate restructuring schemes, both in terms of timeframe, number of installments or the relaxation interest-rate.

"We will carry out the mandate to maintain financial system stability and encourage the national economy as best as we can by promoting prudential banking principle. Strict monitoring during the restructuring process is a definite step to maintain credit quality which in turn will sustain the company's growth," said Widi.


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