PT Bank Negara Indonesia (Persero) Tbk, or BNI, has implemented a\nseries of governance enhancements for the distribution of People\u2019s\nBusiness Credit (KUR) to ensure financing is more targeted, measurable,\nand in line with prudential principles. These enhancements cover credit\nanalysis, verification of prospective debtors, disbursement, monitoring\nof fund usage, process digitalisation, and regular audits.<\/p>\n
BNI Corporate Secretary Okki Rushartomo stated that these steps are\npart of the company\u2019s commitment to maintaining the quality of\ngovernment programme credit distribution. BNI ensures that KUR is\ngranted to eligible business actors and utilised according to the\nfinancing objectives.<\/p>\n
\u201cBNI continues to strengthen the governance of KUR distribution so\nthat financing is truly received and utilised by eligible business\nactors. The strengthening is carried out from the credit analysis,\nverification, disbursement, monitoring of fund usage, to credit quality\nevaluation stages,\u201d Okki said in a statement on Monday, 13 July\n2026.<\/p>\n
He explained that one of the enhancements implemented by BNI is\nconducting direct, one-on-one credit analysis with farmers without\ninvolving a collection agent. Through this process, the bank can obtain\ndirect information regarding the business profile, financing needs,\nrepayment capacity, and fund usage plans from prospective debtors.<\/p>\n
In addition, BNI is strengthening its ecosystem-based financing\ndistribution pattern. Under this scheme, BNI cooperates with core\ncompanies that are BNI corporate customers and act as offtakers. The\ncore companies support business mentoring, absorption of production\noutput, and monitoring of credit implementation.<\/p>\n
\u201cThe ecosystem-based approach allows for mentoring, business\nmonitoring, and market certainty for farmers\u2019 production output. Thus,\nfinancing is not only distributed but can also support the\nsustainability of the debtor\u2019s business,\u201d Okki said.<\/p>\n
BNI has also implemented a radius restriction to facilitate the Know\nYour Customer (KYC) process, business verification, land monitoring, and\nsupervision of debtor activities after disbursement. This policy is\nintended to ensure that the debtor identification and monitoring process\ncan be carried out more closely and effectively by the relevant\nunits.<\/p>\n
From a technological perspective, the credit process is conducted\ndigitally so that debtor data can be monitored more measurably. Through\nthis system, BNI can monitor the names of farmers, land locations,\ncultivation stages, business development, and credit usage by each\ndebtor.<\/p>", "url": "https:\/\/jawawa.id\/newsitem\/bni-strengthens-governance-of-kur-distribution-1783947235", "image": "" }, "sponsor": "Okusi Associates", "sponsor_url": "https:\/\/okusiassociates.com" }