Empowerment Program to Raised Customer Capacity
BUKITTINGGI – 26 May 2011, PT Bank Tabungan Pensiunan Nasional Tbk (SMBCI) through the Supporting Branch Office smbci I mitra usaha rakyat (MUR) at Jl. Ahmad Karim, No. 12A, Bukittinggi, West Sumatra, held the training on the business and capital development for the Micro and Small Enterprises (SME) The training which is mainly directed towards the MUR customers who are those micro merchants, is intended so that they can develop their business in order to be able to compete with modern store.
One of the training modules provided by SMBCI is called “Kak Citra”. This module provides the tips to build and develop the brand. As it has been known, one of the constraints for the micro business player in developing the business is there is no brand which can be labeled to the product as well as the business. Such constraints make the product and the business place are not known by the consumer, which eventually makes the loyalty level of the consumer becomes low.
“Kak Citra” module provides tips to the micro businessman to build and develop the brand, so that their business has identity known by the customer and finally provides positive effect to his business. This training is a form of commitment of SMBCI as the partner of the micro and small businessman to support the business continuity of the micro merchant,” said Welli Irawan, Regional Business Leader UMK for the Central Section of Sumatera.
According to Welli, the training provided by SMBCI is in the form of practical tips which is accompanied by several simple samples and simulation. So that, the training module provided will be easy to be understood and put in practice by the customers in their business places.
Other than “Kak Citra” training module, SMBCI also has other several training modules, which are “Bang Handal”, “Kak Laris”, and “Mbak Puspa”. “Bang Handal” training module provides the tips to the micro merchant to manage the finance, so that the financial recording system can be more tidy and managed well. While “Kak Laris” module provides the tips to increase the income and to make the buyer loyal, while “Mbak Puspa” module provides tips in well displaying goods sold.
With such various training module, SMBCI targets all customers of MUR SMBCI of more than 200 thousand customers, within this year are able to participate on such various training programs.
Welli added, such training is part of the continuous empowerment program conducted by SMBCI through Capacity To Grow (C2G) program. So other than providing financial solution, the Main focus of SMBCI is to increase the capacity of the customer through the empowerment programs.
SMBCI MUR offers Capital to Grow and Capacity to Grow in one package to empower the growth of the MSEs. 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 and the third pillar offers the new business opportunity.
The training on business development as conducted in KCP Bukittinggi is one of the pillars of the Capacity To Grow (C2G) program of SMBCI. All of these services are provided for free. On 2010, SMBCI has conducted 6,600 training classes, followed by more than 100,000 of the UMK players.
Prime Performance of SMBCI
As of 31 March 2011
Commitment of SMBCI 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 customers, 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.
Share
