JAKARTA - BUMD Jakarta, Bank DKI cooperates with four peer-to-peer (P2P) lending startups or digital platforms to bring together borrowers and lenders to expand the loan market share.

"Now the portfolio must be flexible. We have to follow the times, the keywords must have a clear and second vision, digitalization cannot be fought," said Bank DKI President Director Fidri Arnaldy at Cash Free Day, quoted by Antara, Sunday, September 11.

The cooperation was marked by the signing of a memorandum of understanding (MoU) between the board of directors of Bank DKI and four start-ups, namely Sharia, Alami, Amartha and Fidac funds on the sidelines of the activity.

He explained that the scope of cooperation was related to BUMD as a lender and transaction cooperation. However, he has not disclosed the total commitments disbursed in the related cooperation as a lender.

"They must have a market, have a debtor. We collaborate. We know how many limits they have in giving (credit), we are ready for that," he added.

He added that the start-up also has the segmentation of millennial debtors which are currently mostly eyed by banks for credit realization. The reason is, millennial customers are a potential market because they are closer to technology and digitalization that relies more quickly, practically, efficiently and easily.

Currently, his party is transforming human resources and the technology sector by providing service innovations such as applications for various banking and payment services through JakOne Mobile and JakOne Pay.

Not only that, innovations that provide added value for MSME actors are also carried out with the presence of the JakOne Abank application which provides financial services without an office.

A number of innovations including collaboration with P2P lending are expected to boost corporate income, especially non-interest commissions or income (fee-based income).

Based on data from Bank DKI, profit growth reached 30.60 percent in the second quarter of 2022 to Rp504.90 billion from the previous quarter of 2021 of Rp386.47 billion.

One that contributed to the profit growth was the "fee-based income" which grew 27.97 percent from the initial Rp206.45 billion in the second quarter of 2021 to Rp264.19 billion in the second quarter of 2022.

Meanwhile, credit realization grew by 20.15 percent in the second quarter of 2022 to Rp43.64 trillion compared to the second quarter of 2021 of Rp36.32 trillion.

Credit growth occurred in all segments, with the highest growth in the micro segment reaching 34.77 percent in the second quarter of 2022.


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