PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk : Bank bjb’s Role Revitalizes Post-Pandemic...

BANDUNG -- Village-Owned Enterprises or BUMDes have an important and strategic role in driving the economy of rural communities, especially post-pandemic.

BUMDes was created to improve the village economy, optimize village assets, increase community business, create business opportunities, jobs and increase village income.

The discussion on this topic surfaced in the Symposium on Collaboration and Synergy of BUMN, BUMD and BUMDes of West Java which was held on Friday, November 26, 2021, at Grand Hotel Preanger Bandung which was also attended by the Governor of West Java, Ridwan Kamil.

In his presentation entitled "The Role of bank bjb in Revitalizing the Post-Pandemic Village Economy", the Senior Executive Vice President of Bank bjb's business, Beny Riswandi, explained that one way to optimize the management of BUMDes is to involve the banking service, as has been done by bank bjb.

The purpose of optimizing BUMDes with bank bjb has at least three goals. First, establishing a business unit under BUMDes with a legal entity. Second, the opening of financial access includes smart behavior agents, People's Business Credit (KUR), bjb Mesra, Financial Institution Pension Funds (DPLK), village demand deposit management, corporate internet banking, Payment Point Online Bank (PPOB). Third, widening greater opportunities to develop business units through collaboration with other parties.

One of the innovations in BUMDes development that is considered successful is the BUMDesmart format. Bumdes selected to run this program can sell various basic needs of community or build other business lines.

This Bumdesmart is presented by bank bjb as a manifestation of the company's commitment to encourage various innovation models in relation with regional development, especially in economic sector. People who want to make purchases at Bumdesmart can even make non-cash payments via QR Code or QRIS. With the existence of Bumdes Mart, the community can take advantage of its existence to meet their daily needs.

Another bank bjb support in encouraging the village economy is by optimizing the distribution of People's Business Credit (KUR) in a partnership pattern.

This partnership pattern is a strategic step to establish cooperation with third parties that can synergize to increase the MSME loan portfolio and create a new ecosystem in the distribution of MSME loans. The goal is to get more effective and efficient market opportunities and target markets.

As a strategic step, the partnership pattern is built on the principles of mutual need, trust, strengthening, and benefit involving MSME actors and large entrepreneurs.

bank bjb as the provider of venture capital cooperates with partner companies in terms of channeling MSME loans to fostered partners. Partner companies can be in the form of limited liability companies, foundations, cooperatives, CVs, Village-Owned Enterprises to individuals.

With various innovations and programs provided by bjb, this BUMDes is expected to become a generator of village economy, so that economic growth in West Java can be more evenly distributed to remote areas.

DIVISI CORPORATE SECRETARY

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