Kredit Usaha Rakyat - Plafon KUR Diturunkan di Bawah Rp50 Juta

Kementerian Negara Koperasi dan UKM akan segera menurunkan plafon pemberian Kredit Usaha Rakyat (KUR) menjadi di bawah Rp50 juta agar program mampu menjangkau lebih luas usaha-usaha mikro di seluruh Tanah Air.

“Satu yang ingin kita koreksi adalah besaran kredit yang disalurkan dalam program KUR yaitu menjadi Rp50 juta ke bawah,” kata Menteri Negara Koperasi dan UKM, Suryadharma Ali, di Jakarta, Jumat.

Ia mengatakan, selama ini masih ada bank yang menyalurkan kredit dengan rata-rata sekitar Rp174 juta per UKM yang mengajukan, Rp165 juta, dan bahkan ada yang rata-ratanya Rp330 juta.

Penyaluran kredit diturunkan plafonnya menjadi Rp50 juta ke bawah agar program KUR dapat menjangkau lebih luas dan lebih banyak usaha-usaha skala mikro.

“Populasi usaha skala mikro itu kan sangat banyak sekitar 91% dari seluruh pelaku usaha jadi pada merekalah sebenarnya program KUR diprioritaskan,” katanya.

Sumber informasi : http://www.kapanlagi.com

Cara Mendapatkan Kredit Usaha Rakyat

Menjelang Pemilu 2009 kredit sejenis bergulir pula. Apakah KUR (kredit usaha rakyat) yang sedang gencar-gencarnya disalurkan enam bank terkait kepentingan politis untuk mendukung calon presiden yang akan datang?

Jawabannya sulit dipastikan tetapi seperti kebiasaan menjelang Pemilu selalu banyak iming-iming buat rakyat. Yang jelas sejak Februari tahun ini pemerintah mendorong penyaluran KUR (kredit usaha rakyat) mikro di bawah Rp5 juta
melalui enam bank yaitu BRI, Bank Mandiri, Bank BNI, BSM, Bukopin dan BTN.

Kredit tersebut mendapatkan penjaminan dari pemerintah melalui PT Askrindo dan Perum SPU. Dalam skema penjaminan tersebut, Askrindo dan Perum SPU memberikan penjaminan sampai 70 persen dari nilai kredit.

Deputi Menko Perekonomian bidang ekonomi makro dan keuangan Sahala Lumbangaol saat berkunjung ke Medan, baru-baru ini, mengatakan, pemerintah hingga April 2008 sudah mengucurkan sekitar Rp5 triliun KUR.

Disebutkannya, latar belakang pemberian KUR untuk pemberdayaan UMKM, penciptaan lapangan kerja dan penanggulangan kemiskinan.

Dia menjelaskan, plafon kredit maksimal Rp500 juta per UMKM dapat dilakukan secara langsung maupun tidak langsung. Tingkat bunga pembiayaan maksimal 16 persen efektif per tahun dan kredit diberikan kepada kegiatan produktif yang layak.

Program kredit dengan jaminan pemerintah ini akan difokuskan pada lima sektor usaha yakni: kelautan, pertanian,kehutanan, perindustrian dan perdagangan.

KUR diharapkannya mampu mengatasi problem yang melingkupi perkembangan UMKM yakni prosedur yang berbelitbelit serta collateral. Dengan KUR ini diharapkan semuanya lancar, lantaran pemerintah menjamin 70 persen dan bank 30 persen, tuturnya.

Tahun ini pemerintah akan menjamin 650 ribu pengusaha mikro. Bagaimana mendapatkannya? Setelah menelusuri berbagai informasi yang disediakan perbankan di Medan sebenarnya persyaratan cukup mudah. Tak berbeda dengan
KUMLTA empat tahun lalu.

Calon debitur atau pengusaha kecil cukup mendatangi salah satu dari enam bank tersebut. Untuk meminjam sampai dengan Rp5.000.000, misalnya, hanya perlu membawa foto copy KTP, foto copy KSK / KK (kartu keluarga) surat keterangan lurah karena memiliki usaha, tentu saja harus memiliki usaha.

Lalu bagaimana dengan agunan? Inilah yang memunculkan sedikit polemik. Sebenarnya semua kredit dimana pun dan berapa pun besarnya harus punya agunan, kata seorang bankir milik pemerintah yang dihubungi Waspada, kemarin. “Mau Rp5 juta, Rp100 juta tetap harus ada agunan. Tapi untuk KUR semuanya sudah dijamin lembaga penjamin kredit 70 persen dan 30 persen oleh bank.”

Kalau kredit hanya Rp5 juta bank tidak akan terlalu fokus di jaminan, misalnya, sertifikat tanah, rumah atau agunan lain, kata dia. “Bank akan menjadikan usaha si peminjam sebagai agunan. Bank tetap melakukan penilaian. Kalau
ternyata tidak layak, KUR tak akan mengucur”.

Sumber http://www.waspada.co.id

Books

Books
Originally uploaded by Grim Reaper With A Lawnmower

These are all my books that I'd class as "academic". It's quite shocking that I haven't read some of them!

If money worries have you in the cellar, go visit the lady at UBIK Savings & Loan. She'll take the frets out of your debts.

If money worries have you in the cellar, go visit the lady at UBIK Savings & Loan. She'll take the frets out of your debts.
Originally uploaded by solarbreeze69

Bank Rakyat Indonesia Kota Lubuklinggau

Bank Rakyat Indonesia Kota Lubuklinggau
Originally uploaded by eenx

BRINETS BRI Sendik Kaliurang PKSS CS KUR 10-09-08

BRINETS BRI Sendik Kaliurang PKSS CS KUR 10-09-08
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Cheerleader CS KUR BRI PKSS 08 Kaliurang Yogyakarta

Cheerleader CS KUR BRI PKSS 08 Kaliurang Yogyakarta
Originally uploaded by karisna

Bank Rakyat Indonesia

Bank Rakyat Indonesia
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Bank Rakyat Indonesia

Bank Rakyat Indonesia
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Economics, finance, and marketing

Economics, finance, and marketing
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¿En que lío me he metido? Yo antes era un ingeniero feliz....

IMG_9401

IMG_9401
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Credit Crunch

Credit Crunch
Originally uploaded by labels_30

This week I took a Pre-Retirement course through work and learned that I should not get caught in the credit crunch before I retirement. Thank goodness I still have a few years to go. I can home both days with information overload. I would highly recommend a course like this to anyone and the sooner they take it the better. If you already have your retirement date in place it's almost to late for this course.

Brealey & Myers

Brealey & Myers
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New books!

New books!
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Time to get "gazelle intense"…

Structuring Islamic Finance Transactions

Structuring Islamic Finance Transactions
Originally uploaded by capitalandilec

Understand the core principles of Islamic finance instruments, their applications and structures, their placement in the context of modern financial developments and the growth of Islamic financial institutions.

This new book explains the fundamentals of Islamic finance product development and compliance with Islamic law. The expert authors lead you through the complex structures and applications of Islamic transactions in the modern financial environment, including those providing liquidity and risk management for Islamic financial institutions.

Case studies from experts around the globe are used to illustrate key findings. These include:

* Emirates Airlines – Musharaka sukuk issue for corporate financing
* Hanco/BSEC - ijara auto securitisation
* Ijara MALT(TM) - residential mortgage securitisation
* Global Telecoms – mudaraba syndication for revolving murabaha
* Tabreed – mixed asset (istisna'a, ijara) Sukuk issue for corporate financing
* Telekom Malaysia - syndicated lease
* Arabian Bottling – salam applied to corporate supply acquisition
* Saudi refinery - petrochemical plant expansion
* SKS Power - BOT power plant project financing
* ZamZam Towers – intifa'a, ijara derivative applied to real estate project financing

A must-read for all those engaged in Islamic finance and banking, those advising Islamic financial institutions, and every professional needing to understand the alternative structures available.

Topics covered include:

* Partnership models and equity finance vehicles
* Sales, leasing and asset-linked, debt-like transactions
* Structuring leases
* Pre-paid sales and their operation as futures contracts
* Manufacturing and working capital, and project finance arrangements including securitised and syndicated project finance deals
* Real estate finance applications
* Asset management products, indices and investment funds
* Sukuk and debt-like products, including structuring Islamic securitizations, rating Sukuk and legal and regulatory issues
* The development of the Islamic capital market, and the structures available for Islamic banks to manage liquidity
* Risk management and derivative-like products
* The emerging regulatory environment for Islamic finance products and transactions, and how the industry is responding to this.

Featuring contributions from:

* Commercial Bank of Qatar
* Dawnay Day
* Islamic Finance Consultants, Bahrain
* Taylor Wessing
* Lovells
* University Utama

"I wish that this had been the first book I read on Islamic finance." - David E. Upton, PhD, CFA®, AIF®, Virginia Commonwealth University

Credit Risk: Modeling, Valuation and Hedging

Credit Risk: Modeling, Valuation and Hedging
Originally uploaded by Huazhi

Credit Risk: Modeling, Valuation and Hedging
Series: Springer Finance
Bielecki, Tomasz R., Rutkowski, Marek
1st ed. 2002. Corr. 2nd printing, 2004, XVIII, 501 p., Hardcover
ISBN: 978-3-540-67593-8

Interest Rate Models - Theory and Practice

Interest Rate Models - Theory and Practice
Originally uploaded by Huazhi

Interest Rate Models - Theory and Practice
With Smile, Inflation and Credit
Series: Springer Finance
Brigo, Damiano, Mercurio, Fabio
2nd ed. 2006. Corr. 3rd printing, 2007, LVI, 981 p. 124 illus., Hardcover
ISBN: 978-3-540-22149-4

『金融入門』 / Introduction to Money and Finance

『金融入門』 / Introduction to Money and Finance
Originally uploaded by satomilogy

今週買った本。

bought it this week.

Tuesday, December 16, 2008

Tuesday, December 16, 2008
Originally uploaded by abers331

I took my Finance final this afternoon- I'm done with that class forever! Hooray! Now if only I can get some sucker to buy the book from me...

30 Free e-Books to Learn Everything About Personal Finance

30 Free e-Books to Learn Everything About Personal Finance
Originally uploaded by Mint Software

30 Free e-Books to Learn Everything About Personal Finance and Money Management

PDA bank

PDA bank
Originally uploaded by larskflem

The Bank skandiabanken.no released their pda-bank a few weeks ago. I had to test it in open air: While waiting for the bus I transfered money between my accounts, connected to internet through my k750i.

Singapore internet banking security tokens

Singapore internet banking security tokens
Originally uploaded by Tripps

In a move to protect banking customers, the Monetary Authority of Singapore (MAS) issued an advisory to banks here last November, strongly recommending that they implement two-factor authentication at login for all Internet banking systems by December 2006.

Safe

Safe
Originally uploaded by phantomsangel_erik

See that thing in the middle? That's a giant iron safe. Someone tried to blow a hole in it with a bazooka. Unfortunately for them, there was nothing inside.

Cast Iron Match Safe

Cast Iron Match Safe
Originally uploaded by momtothemom

Old but not gold

Old but not gold
Originally uploaded by JanvPi

Strong-box Ring (2008. IT) Ring 118.13

Strong-box Ring (2008. IT) Ring 118.13
Originally uploaded by Blind Spot Jewellery

Iron poison ring, made from a block of iron. The bottom of the chamber and the lid are made of pure iron. The hinge and the locker ring are silver.
The bottom of the chamber is inlayed into the body of the ring.

The "IIXIIXIIXII" signs on the bottom of the ring band are protective motifs they were used on old padlocks.

This ring -like my other poison rings - represents to me the desire to keep, save and protect something.

06_08_jerome_05

06_08_jerome_05
Originally uploaded by susanbrandstudio

cast iron safe sans door

Safe

Safe
Originally uploaded by MeowMixed

The green light is from someone else's camera auto-focus, and the blue is from my headlamp. Completely chance shot but I quite liked the colours!

Old safe in Overton, Texas

Old safe in Overton, Texas
Originally uploaded by Specific Gravity

It's still locked. Solid cast iron, try and pick it up! Out on the side of a bank in Overton, TX..

Iron Safe - Fortezza Sainta Teresa - Uruguay

Iron Safe - Fortezza Sainta Teresa - Uruguay
Originally uploaded by Sam Ellis

Iron Safe at Fort Leaton, Texas

Iron Safe at Fort Leaton, Texas
Originally uploaded by almostlindy

Fort Leaton is located on Farm Road 170 five miles southeast of Presidio. In 1848, Ben Leaton built a fortified adobe trading post known as Fort Leaton on the ruins of a Spanish fort founded in 1773 and known as El Fortín de San José at La Junta.

Keyhole in Iron Safe, Fortezza Sainta Teresa, Uruguay

Keyhole in Iron Safe, Fortezza Sainta Teresa, Uruguay
Originally uploaded by Sam Ellis

This is the keyhole to a big iron safe found in the fort at Saint Teresa in Uruguay.

The safe was probably for gunpowder or cash.

KARTU KREDIT BRI

Anda menginginkan Kartu Kredit yang mudah, murah, dan aman…?

Bergabunglah dengan KARTU KREDIT BRI, “Semua Menjadi Nyata”
Fitur Kartu Kredit BRI :
Keuntungan memiliki Kartu Kredit BRI

a. Diterima di seluruh dunia

Kartu Kredit BRI dapat digunakan untuk berbelanja di Toko atau Merchant yang berlogo MasterCard, dan melakukan penarikan uang tunai di semua ATM BRI dan ATM berlogo Cirrus di seluruh dunia.

b. Bunga murah sepanjang waktu

Suku Bunga ringan baik untuk Transaksi Ritel maupun Cash Advance

c. Pembayaran Minimum

Pemakaian Kartu Kredit BRI dengan pembayaran minimum.

d. Kemudahan pembayaran tagihan melalui ATM BRI

e. Perlindungan asuransi

Perlindungan Asuransi bagi Pemegang Kartu Kredit :
· Personal Accident dengan premi gratis.
· Card Member secara otomatis mendapat perlindungan (asuransi) kecelakaan.
· Credit Shield dengan premi murah apabila card member menginginkan perlindungan asuransi Credit Shield

f. Executive Airport Lounge

Bagi pemegang Kartu Kredit BRI Gold yang bepergian dengan pesawat udara, dapat menikmati fasilitas Executive Airport Lounge selama menunggu waktu keberangkatan.

g. Fasilitas Kartu Tambahan (Supplement Card)

Cardmember dapat mengajukan Kartu Tambahan bagi anggota keluarganya, sepanjang memenuhi syarat.

h. Program Promo / Marketing Kartu Kredit BRI
sumber : www.bri.co.id