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12 July 2021

Bank bjb's Steps to Restore the Economy during Pandemic, Shifting Customer Transaction Patterns and Distribution of PEN

BANDUNG – The Covid-19 pandemic has made the economy of various countries in the world experience a major decline, including Indonesia. In the midst of pandemic, banking has a vital role in restoring the national economy.

bank bjb as one of the largest Regional Development Banks (BPD) in Indonesia has also contributed to the acceleration of national economic recovery, especially for the people of West Java and Banten. This is reflected in which credit disbursement continues to increase as an intermediary function, especially in the labor-intensive productive sector, as well as adapting to the shift in people's financial transaction patterns from offline to online through digital products so that in the midst of restrictions on community activities, financial activities can still run.

In the midst of limited credit demand, until May 2021 bank bjb's lending was able to grow to 7.3% driven by the consumer segment, MSMEs, commercial corporations and mortgages which grew positively with NPL maintained so that it helped the economic recovery from both the productive and consumption sectors.

As we all know, the pandemic requires people to limit their activities outside the home. This also has a direct impact on consumer consumption patterns and financial activities. 

President Director of bank bjb Yuddy Renaldi said the Covid-19 pandemic had encouraged bank bjb to continue to upgrade and adjust the existing digital banking services to accommodate customer needs. now, bank bjb already has a digital platform for banking transactions, shopping, credit submission, even coaching for MSME players.

"The use of bjb Digi application as bank bjb's main platform in digital banking services has also increased significantly within 6 months to 121.2 percent compared to December 2020," said Yuddy in an online discussion on the Role of Banking in Accelerating Economic Recovery with Tempo, Thursday July 8, 2021.

In addition, he said, the payment ecosystem through bank bjb's QRIS has also increased exponentially, reaching 20 times compared to December 2020. This also has a positive impact on the growth of bank bjb's fee-based income.

Yuddy said, to support economic growth apart from providing access to business capital through lending, banks must also be able to accommodate public financial transactions in the midst of Covid-19 pandemic.

Digital transactions must also be accompanied by capable cyber security to ensure public safety during transactions. For that, Yuddy said, currently the internal party of bank bjb has developed a fraud management system.

"This is one of the steps to mitigate the risks that exist along with the rapid development of banking technology," said Yuddy. In addition, he said, bank bjb constantly remind the customers to maintain the confidentiality of personal data such as passwords and PINs. 

Distributing the Placement of State Money to Restore West Java Economy through PEN program

 For the second time, bank bjb is trusted by the government as a distributor of economic stimulus funds in the context of the National Economic Recovery (PEN). There are two stages of PEN distribution in 2020-2021 with a value of IDR 2.5 trillion each per period.

"In the first period of 2020, bank bjb has done distributing PEN funds in 2 months with the amount of Rp5.3 trillion. All funds were distributed on October 18, 2020," said Yuddy.

In the second period, February 2021 with the same amount of fund placement, Rp. 2.5 trillion, bank bjb has distributed funds of Rp. 4.3 trillion. The PEN funds have been fully disbursed on July 2, 2021.

"The allocation of PEN funds to a number of labor-intensive productive sectors is our strategy to help economic recovery, especially in West Java and Banten regions, which in return contributes to the national economic recovery," said Yuddy.



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