Di dalam industri perbankan di Indonesia kegiatan di bidang kredit masih sangat dominan menentukan kelangsungan hidup bank yang bersangkutan. Lebih dari 70% keuntungan bank diperoleh berasal dari penghasilan bunga atau bagi hasil atas kredit atau pembiayaan yang diberikan kepada debitur atau pengguna pembiayaan. Oleh karena itu performance dari sebuah bank berbanding lurus dengan performance loan dari bank yang bersangkutan.
Performance loan, sangat ditentukan bagaimana proses pemberian kredit atau pembiayaan kepada nasabah. Dalam memproses pemberian kredit atau pembiayaan, mengawasi penggunaannya sampai kepada penyelesaiannya berbagai aspek sangat menentukan, seperti aspek financial, marketing, manajemen, hukum dll. Kegagalan kredit yang berakibat meningkatnya Non Performance Loan (NPL) sangat perlu dicegah, mengingat kesulitan yang terjadi bagi bank bisa mengganggu tingkat kesehatannya. Upaya penyelesaian kredit dalam kategori NPL tersebut sangatlah menyita waktu, tenaga dan biaya.
Penyelesaian kredit seperti ini bisa menggunakan berbagai pendekatan, upaya pendekatan secara legal, dengan menggunakan forum pengadilan, biasanya merupakan upaya akhir dari bank. Upaya pendekatan secara legal, umumnya diupayakan untuk tidak dilakukan, sepanjang nasabahnya beritikad baik untuk menyelesaikannya. Banyak langkah bank yang bisa dilakukan dalam upaya membangun penyelesaian kredit bermasalah ini, baik melakukan perpanjangan kredit, rescheduling, restruckturing, dsb.
TUJUAN
Setelah mengikuti workshop ini diharapkan :
1. Peserta mampu melakukan penyelesaian kredit secara baik sehingga bank terhindar dari kerugian dan berlarut-larutnya persoalan.
2. Peserta memahami kredit bermasalah yang mengacu kepada ketentuan dan peraturan bank indonesia.
3. Memahami konsep early warning system dan penanganan debitur watch list.
4. Memahami penetapan strategi penanganan kredit bermasalah, Skema-skema untuk penyehatan kredit, Pemahaman penyelesaian kredit, Penggunaan EBITDA dan Analisa Cash Flow sebagai alat ukur kemampuan finansial perusahaan debitur untuk penentuan strategi yang dapat digunakan oleh bank.
5. Peserta dapat menyelesaikan permasalahan dengan nasabah Non Performance Loan, tanpa melalui pengadilan, agar bank terhindarkan dari kerugian.
OUTLINE MATERI
1. Pengertian kredit bermasalah mengacu kepada Peraturan Bank Indonesia
2. Konsep early warning system dan penanganan debitur watch list
3. Penetapan strategi penanganan kredit bermasalah
4. Skema-skema untuk penyehatan kredit
5. Pemahaman penyelesaian kredit
6. Penggunaan EBITDA dan Analisa Cash Flow sebagai alat ukur kemampuan financial
7. Perusahaan debitur untuk penentuan strategi yang dapat digunakan oleh bank.
PARTICIPANT
Credit Officer, Recovery Credit, Rimmadial, Pengelola Kredit/Pembiayaan baik dalam golongan lancar maupun Non Performing Loan, Internal Audit, Loan Admin, Kepala Cabang, Unit kerja terkait dan peminat lainnya
METHOD
Presentation
Discussion
Case Study
Evaluation
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