PT Bank BNI Syariah has no intention to revise its credit disbursement target yet although its total loans disbursed through end of July reached IDR3.2 trillion, or completing 86.48% of the 2010’s total financing target at IDR3.7 trillion.
President Director of PT BNI Syariah, Rizqullah, revealed that his company does not have plan to revise its financing target yet although the realization of the total target disbursement has surpassed three-fourth of the target.
“We haven’t revised it yet since it requires process. The company has just completed the spin-off so we are now reorganizing, strengthening as well as maintaining our business activity for quite while,” he said yesterday.
Rizqullah further added that at the moment his company focuses on bolstering the credit disbursement to retail and consumer sectors by allocating 60%-70% of the fund.
Hundred thousands of citizens have benefited the retail and consumer credit allocation. Still, the risk of financing the retail and consumer sectors is indeed diverged.
“It has higher absorption but lower risks. If there is problem in one customer, we still have other customer. The average credit limit is below IDR1 billion,” he said.
Meanwhile, nearly 30% of the financing is allocated to other sectors, such as construction and infrastructure with credit limit above IDR10 billion.
Aside from small business loan, this company also offers other retail products such as gold mortgage, Hajj fund, and Hasanah Card (a type of credit card). (T02/NOM)
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