Berlaku Mulai December 2024
Periode Data: November 2024 |
Non-MSME Credit | MSMEs | KPR / KPA | Non KPR / Non KPA | |||
---|---|---|---|---|---|---|---|
Corporate Credit | Retail Credit | Medium | Small | Micro | |||
Cost of Fund (HPDK) (%) | 6.98% | 6.98% | 6.98% | 6.98% | 6.98% | 6.98% | 6.98% |
Overhead Cost (%) | 0.24% | 0.19% | 0.18% | 0.12% | 0.12% | 0.19% | 0.11% |
Profit Margin (%) | 4.54% | 5.58% | 5.60% | 5.65% | 5.65% | 4.58% | 5.41% |
Prime Lending Rate (SBDK) (%) (HPDK+ Overhead+ Margin) | 11.75% | 12.75% | 12.75% | 12.75% | 12.75% | 11.75% | 12.50% |
Category | Definition of Credit Categories | Indicators/Criteria for Credit Categories |
---|---|---|
Corporate | Loans to Business Entities that meet the criteria of Corporate segment in Bank JTrust Indonesia | Credit Facility > IDR 50 Billion |
Retail | Working capital and/or investment credit given to debtors who do not meet the Corporate segment criteria at Bank Jtrust Indonesia | Credit Facility < IDR 50 Billion |