|
Appendix B:
Profile of the Institutions Visited
FIELD
STUDY
1
PROFILE
OF BPR
DANAGUNG
BAKTI
(RURAL CREDIT BANK)
|
Identity |
: |
BPR
Danagung Bakti |
|
Establishment |
: |
4 July 1995 |
|
Legal
status |
: |
Bank |
|
Address |
: |
Jl. Kaliurang km 5,8 Ring Road Utara, Pandega Satya 26 A,
Sleman, DI Yogyakarta |
|
Cash
Service Office |
: |
6
(Six) Offices in Tempel, Ambarukmo, Pakem, Gamping,
Nogotirto and Condongcatur. |
Board of
Institution
|
Board
of
Commissioners |
:
|
Janti
Kusuma, S.E (President Commissioner)
Prof.
Dr. Dr. H. Rusdi Lamsudin (Commissioner) |
|
Board
of
Directors |
: |
Teddy
Alamsyah, SE (President Director)
Sri
Sudewi, SH (Director) |
Products and
Services
|
Number of Customer |
: |
9.772 customers |
|
No |
Credit Scheme |
Total Financing (Rp) as of 2006 |
|
1 |
Investment |
3 Billion |
|
2 |
Working Capital |
29,1 Billion |
|
3 |
Consumption |
14,1 Billion |
Facts & Figures
| |
|
|
|
|
(Rp) |
|
Year |
2003 |
2004 |
2005 |
2006* |
2007 |
|
Assets |
33,5 Billion |
53,5 Billion |
54 Billion |
53 Billion |
|
|
Deposit |
28,8 Billion |
37,6 Billion |
39,1 Billion |
37,4 Billion |
|
|
Credit Disbursed |
26 Billion |
38,2 Billion |
46 Billion |
47 Billion |
|
|
Net Profit |
648 Million |
1,4 Billion |
1,6 Billion |
(370 Million) |
|
|
Capital |
2,5 Billion |
3,9 Billion |
4,9 Billion |
3,3 Billion |
2 Billion |
*
data on year 2006 as per March
Small Business Sector Assisted
|
Business Sector |
Des 04 |
Des 03 |
Des 02 |
|
Nominal |
% Portion |
NPL |
Nominal |
Size |
NPL |
Nominal |
Size |
NPL |
|
Agriculture |
717,364 |
1.8% |
0.00% |
229,132 |
0.8% |
0.00% |
278,763 |
1.5% |
0.00% |
|
Industrial |
1,782,950 |
4.6% |
0.11% |
363,835 |
1.3% |
0.01% |
297,212 |
1.6% |
0.01% |
|
Trading |
11,243,319 |
28.8% |
0.21% |
8,285,389 |
30.7% |
0.51% |
7,282,841 |
39.9% |
1.08% |
|
Services |
13,176,953 |
33.8% |
0.77% |
5,919,145 |
21.9% |
0.64% |
3,946,394 |
21.6% |
0.89% |
|
Others |
12,055,478 |
30.9% |
0.74% |
12,213,054 |
45.2% |
0.26% |
6,439,245 |
35.3% |
0.40% |
|
Total |
38,976,064 |
100.0% |
1.84% |
27,010,555 |
100.0% |
1.42% |
18,244,455 |
100.0% |
2.39% |
Organizational Structure
Development Partners
|
No |
Institution/Agency |
Programmed Assisted |
|
1 |
PT PNM |
Training for capacity building |
|
2 |
Perbarindo |
Training |
|
3 |
BI |
Training for certification |
Future
Strategy
BPR has
plan to develop cow husbandry cooperate with local breeder.
FIELD
STUDY
2
PROFILE
OF BMT
BERINGHARJO
(SHARIA
FINANCIAL INSTITUTION)
|
Identity |
: |
BMT Beringharjo |
|
Establishment |
: |
31 December
1994 |
|
Legal status |
: |
Cooperative |
|
Address |
: |
Jl. Kauman No
14, Yogyakarta (Head Office) |
|
Area Office |
: |
3 (three)
Office in Yogyakarta |
|
Branch Office |
: |
3 (three)
Office in Ponorogo, Madiun, Bandung |
|
No |
Lending Scheme |
|
1 |
Musyarakah |
|
2 |
Mudharabah |
|
3 |
Murabahah |
|
4 |
Qordhul Hasan |
|
5 |
Others (pls specify) |
|
Year |
2005 |
2006 |
2007 |
|
Total Financing |
8,7 Billion |
9,7 Billion |
11.6 Billion |
Facts & Figures
(Rupiah)
|
Year |
2005 |
2006 |
2007 |
|
Assets |
12,1 Billion |
15 Billion |
17.1 Billion |
|
Saving |
6,1 Billion |
7,9 Billion |
9,9 Billion |
|
Capital |
1,07 Billion |
1,132 Billion |
1,03 Billion |
|
Profit |
88,3 million |
111,4 million |
98,9 million |
|
Member |
13.655 |
16.355 |
18.543 |
Small Business Sectors
Assisted
|
No |
Sector |
Business Specification |
Total Financing (Rp) |
|
1 |
Trading |
9 Primary Commodity |
Rp 35 million |
|
2 |
Trading |
Selling Cellular Phone |
Rp 30 million |
|
3 |
Medium Enterprise |
Selling Building Material |
Rp 40 million |
|
4 |
|
|
|
|
5 |
|
|
|
Organizational Structure
Development Partners
|
No |
Institution/Agency |
Programme Assisted |
|
1 |
PNM |
Training |
|
2 |
Government Office |
Join Program for Community Development |
Marketing Strategy
1.
Developing customer
intimacy
a. “Sila
Ukhuwah Mitra” Program
The program activity is by
visiting BMT’s member routinely or incidentally in case of wedding party,
etc. The program purposed to create more close relationship between BMT
and its customer.
b. Bina
Mitra (Capacity Building for Member)
This program conducted capacity
building in form of management training, skill training, or coaching for
BMT’s member. Purpose of the program is to develop member’s business.
c.
Umroh Prize
This prize will give to selected
member in purpose to raise member’s spiritual quotient.
d. Tamasya
Mitra (Vacation with Member)
Vacation is held by BMT Beringhajo
to several tourism locations in purpose to develop customer intimacy
e. Website
set up
By creating website, BMT
Beringharjo also participates to promote its customer’s products through
internet.
f.
Souvenir gift
Souvenir is give by BMT to
customer for relationship appreciation.
2. Promotion
a.
Sharia Campaign
The campaign designed not only in
form of training but also packed up with entertainment and prizes followed
by BMT’s customer.
b. Monthly
bulletin
Bulletin is printed as
communication media for BMT and customer
c. Community
Synergy Program
This program is joint program
between BMT and other parties such as Local Government, Islamic
organization, etc in purpose for social event.
3. Product
Develompent
Discount Product
This program is proposed to loyal
customer by giving discount on the term of payment. |