Angry When Billed For Installments, PNM Customers Are Afraid To Be Blacklisted?

President Director of PT Permodalan Nasional Madani Arief Mulyadi (center). (Photo: Mery Handayani/VOI)

PT Permodalan Nasional Madani (PNM) seeks to continue to provide maximum protection to collectors of credit installments for PNM Mekaar alias Account Officer (AO) customers on duty in the field.

This step was taken in view of AO's experience, which is often carried out by customers when collecting installments.

In fact, there was a case that AO was thrown with plates by PNM Mekaar customers recently that occurred in Lamongan Regency, East Java (East Java).

There are also PNM Mekaar customers in West Sumatra (West Sumatra) who raise machetes to AO who collect credit installments.

PNM President Director Arief Mulyadi said that customers act rudely to AOs when they are billed for installments, it will be difficult for these customers to get recommendations from their groups to get further credit.

For your information, the distribution of Mekaar PNM financing is not carried out individually, but to groups.

Where one group consists of a minimum of two subgroups, and a maximum of six subgroups, each of which consists of 5 to 30 customers.

"This is group financing, of course, we can't avoid it, the mother is also hostile to friends of the group. If they are hostile, then of course we just have to wait. Yes, it seems a bit difficult for his friends to recommend him to get financing again," said Arief at a press conference at the Ministry of SOEs, Jakarta, Tuesday, April 30.

Arief ensured that the company would protect AOs who collect credit from customers. He also said that in the two cases that occurred in Lamongan and West Sumatra, PNM helped solve the problem.

For the West Sumatra case, continued Arief, customers have been prosecuted through legal channels. Meanwhile, for the case of AO throwing plates in Lamongan, it has been resolved through the family path.

"So the empowerment that we continue to improve is to increasingly understand rights and obligations, and so on we convey it there. Then we also build internally. So we provide Mekaar AOs, we provide how to be more capable of collecting with empathy," said Arief.

Expand Socialization

Arief explained that PNM as a credit distributor will increase socialization related to customer rights and obligations.

"So maybe social engineering content in Mekaar PNM can be more than the feel of its commercial business, financing," said Arief.

Meanwhile, the Director of Micro Business of PT Bank Rakyat Indonesia (Persero) Tbk (BBRI), Supari explained that PNM Mekaar customers are the people with the highest economic vulnerability.

The spectrum of susceptibility to factors related to economic susceptibility is very wide in the ultra micro. So it just so happens that friends at Mekaar PNM are the lowest, the most vulnerable. So the economic vulnerability will be the trigger for the excess-excess that occurs on social media," said Supari.

Therefore, Supari said Ultra Micro Holding continues to boost empowerment to prevent unwanted actions in the Mekaar PNM credit installment process.

"So the empowerment that we continue to improve is to understand rights and obligations more, and so on we convey it there. Then we also build internally. So AO Mekaar, we provide the mantri how to be more capable of collecting with empathy," said Supari.