No Tricks! The Story Of A BRILink Agent Buying A Pajero And Installing A 1 M House In Two Years, Want It?

BRILink Agent Haji Rinaldi (Photo: BRI Doc)

JAKARTA – PT Bank Rakyat Indonesia Tbk. (BRI) shared the story of a BRILink agent who managed to achieve success in only a relatively short time. According to this wong little bank, a BRILink agent named Haji Rinaldi who is assisted by the Sorek Sub-Branch, Pangkalan Kerinci, Pekanbaru can develop his business by becoming a payment merchant partner.

Haji Rinaldi said, at first he wasn't sure he could meet the target of 200 transactions in one month. This is because so far the business that has been run is personal without any specific target burden from other parties.

Understandably, Haji Rinaldi is a seller of building materials, office stationery, electricity, to plantation needs.

“At that time, in 2015 I didn't know about BRILink and I was afraid because there had to be 200 transactions per month. If you don't reach the target, you will be charged," he said as published by the ticker-issued bank BBRI, Sunday, February 6.

In the early days of operation, Haji Rinaldi recorded an average of 30 transactions per day. That is, there are about 900 transactions for each month. His business has grown to accommodate 100 transactions per day. Apart from the volume of transactions, an increase also occurred in the nominal amount of Rp. 100 million to Rp. 400 million with a monthly recapitulation of Rp. 10 billion.

“This cannot be separated from the economic potential of the surrounding community, the majority of whom work in the rubber and palm oil sector. There are quite a lot of employees of palm oil companies. So if the employees are paid, they prefer to come to us rather than to the ATM, because we don't have to queue,” he said.

Predictably, the jumbo transaction volume for a micro banking agent without an office like Haji Rinaldi certainly brings money.

“Being this agent has become our steady source of income. Per month, the smallest profit ranges from Rp. 30 million to Rp. 45 million," he said.

From there, Haji Rinaldi's life became more prosperous. He could be said to have gained financial freedom in no time. His ability to collect top assets is evident.

"You can buy a Mitsubishi Pajero in 2017 with a down payment and the installments are paid off through BRILink benefits. We also paid in installments a luxury house in Pekanbaru for Rp. 1 billion, the installments were only two years away. Our mini market business is also growing,” he explained.

Just so you know, BRI is a financial services institution that focuses on working on the micro and small segments. This strategy also makes the company the largest bank in Indonesia in terms of assets. In addition, BRI is also known as a bank that is most adept at managing credit risk from small debtors.

The accuracy of choosing the market segment plus strong performance has made BBRI successful in earning a bank-only net profit of IDR 32.2 trillion throughout 2021.

According to VOI records, until the end of December 2021, BRI's credit distribution was recorded to have grown by 7.16 percent yoy or higher than lending in the national banking industry of 5.24 percent.

In detail, the intermediation of the micro segment recorded a jump of 12.98 percent. Meanwhile, the consumer segment grew 3.97 percent, the small and medium segment grew 3.55 percent and the corporate segment grew 2.37 percent. This is in line with BRI's aspiration to focus on the MSME segment.