Commitment SMBCI as Micro & Small Business Partner
PALEMBANG – Thursday, 23 June 2011, PT Bank Tabungan Pensiunan Nasional Tbk (”SMBCI”) through smbci | mitra usaha rakyat (MUR) Office 10 Ulu at Jl. Gubernur H. Bastari No. 12 Kel 8 Ulu, Kecamatan Seberang Ulu, Palembang, South Sumatra, threw the training on the business and capital development for its clientcustomers who are those micro and small micro and small enterprises (UMKMSE). The objective of the training is to provide added value so that the UMK customers can obtain knowledge to develop their businesses as well as to increase their competitive power.
One of the training modulemodules provided today is called “Kak Laris”. This module provides the tips to the micro businessmen in increasing their income and in creating loyal patron of customers. This training module contains the marketing program which is adjusted to the consumers’ need,. So that, it is expected that the consumer will become loyal patron.
“This training is a form of commitment of SMBCI as micro and small business partner to support the existence and the going concern of the business of the micro merchant,” said Regional Business Leader South Sumatra, Erwanto Yusuf.
According to Erwanto, the training provided by SMBCI that gives practical tips together with various examples and simple simulation. It is intended that, the training modules provided will be ease to understood and put into practice by the clientcustomers in their respective business places.
He added, other than Kak Laris training module, SMBCI has many other training modules, which are Kak Citra, Bang Handal, and Mbak Puspa. Kak Citra training module is the training on the tips to develop and grow a brand. While Bang Handal and Mbak Puspa modules, each of them is training module on the tips to manage financial and to arrange in display the goods to be sold.
With such various training modules, SMBCI targets all clientcustomers of UMK SMBCI smbci | mitra usaha rakyat of up to 250 thousand customers, within this year are able to participate on such various training programs.
“Along During 2010, SMBCI had held more than 6,600 training classes participated by 104,000 UMK clientscustomers from 32 provinces. Lots of clients customers feel the direct benefit from such program,” said Erwanto.
SMBCI MUR offers Capital to Grow and Capacity to Grow in one package to empower the growth of the micro business. What is very unique from the package offered is Capacity to Grow (C2G) which consists of 3 (three) pillars, the first one is information center which provides variety of business information. The second is training to enhance the competency by conducting training classes. The third pillar offers the new business opportunity through the program which combines the dissemination of information and training on capacity building for the UMK MSE players.
The training on capacity building as conducted in Branch Office 10 Ulu is one of the pillars in the Capacity To Grow (C2G) program. All of these services are provided for free. Other than that, SMBCI customers also provided with the opportunity to advertise their traded goods for free through community bulletin printed and circulated on monthly basis.
”We believe in expanding the micro & small businesses, our social mission must be integrated with the business mission in the daily activities on the branch level continuously. We hope, with the provisions of those various training programs, would make SMBCI to become more preferable partner for the micro and small businessmen,” finally said Erwanto.
Prime Performance of SMBCI
As of 31 March 2011
SMBCI commitment in developing business with the focus on the market share of retiree and Micro & Small Enterprises (MSE) has significantly increased the performance of the company. Up to 31 March 2011, SMBCI has booked the credit growth of 40% (year-on-year / yoy) up to Rp 24,7 trillion. The growth on the provision of credit is balanced by the growth on the Third Party Fund (DPK) of 34% (yoy) up to Rp 27 trillion. As of 31 March 2011, the assets of SMBCI is amounting to Rp 36,7 trillion, or growing 51% (yoy).
The growth on the performance of SMBCI is supported by the implementation of prudent principle, as reflected on the low ratio on gross Non Performing Loan (NPL) gross of 1% (or in net basis of 0,44%) where it places SMBCI as one of the banks with the lowest NPL in the banking industry.
The high growth of credit with the maintained quality results in the increment of net profit of SMBCI, reaching Rp 271,9 billion or growing in the amount of 76% (yoy). Capital Adequacy Ratio of SMBCI (CAR) is in the position of 21,7% as of 31 March 2011.
Currently SMBCI has served of more than 800,000 clientscustomers, rapidly growing within the period of less than 3 years, through 1,056 office network which has been operating on online real time basis, spread over from Aceh up to Papua.
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