Hi all steemians friend,,
How are you..
this post I want to share about collectibility in banking..
Maybe for steemians friends ever apply for credit in banking, the first file requested by bank officers must be ID card and family ID, this is to take bank cheking.. this is necessary to see about the history of credit all friends, whether it is banking, leasing or place other financial institutions.
Bank cheking needs to be done because the first process in the filing of credit.. from Bank cheking results there can be seen on going credit and credit have paid paid fullness. Even there can be seen friends have taken credit in any financial place. Well, the credit that has been paid off or the on going can be seen about the collectibility of credit all friends..
Collectibility aims to know the quality of credit so that banks can anticipate the credit risk that will be given. Here's the division of collectible credit that I can pass on to all steemians friends :
1. Col 1 (CURRENT)
Col 1 is the highest collectibility status belonging to Performing Loan (PL). Col 1 represents a good customer because of the smooth paying of his credit.
2. Col 2 (IN SPECIAL ATTENTION)
Col 2 is marked by the late payment of the debtor exceeding the due date up to 60 days from the due date. In banking practice, generally Kol 2 by the bank has been considered bad because it relates to the customer's character problem. Troubleshooting non performing loans with Kol 2 status can be done through billing.
3. Col 3 (LESS CURRENT)
Col 3 represents the collectibility of the debtor who is late in paying more than 90 days from the date of his monthly maturity up to at least 120 days. In this cab, the bank is required to issue a warning letter. Col 3 has started including Non Performing Loan credits.
4. Col 4 (WIRED)
Col 4 is a collectibility status that signifies a late payment of more than 120 days from its due date. At this stage also, the bank is obliged to issue warning letter to the debtor. Col 4 still counts Non Performing Loans.
5. Col 5 (BAD CREDIT)
Col. 5 is the lowest collectibility classified as Non Performing Loan (NPL) which represents principal installment and unpaid credit interest and the bank is obliged to perform the most recent problem solving of the problem of collateral auctioning.
Well, this is what I can share to all steemians friends, so for those who have credit in financial institutions can keep collectibility,, not to collectibility from the results of BI cheking friends become ugly if will take credit again in the future at other financial institutions.
Best regrads to all,, steemian friends.. Hope we can go developing together in steemit..
Thank's for reading..
And lastly do not forget to upvote and follow me @alfiadi
Kolektibilitas di Perbankan
Hai sahabat steemians semua,,
Apa kabar semuanya...
postingan kali ini saya ingin membagikan tentang kolektibilitas di perbankan..
Mungkin bagi sahabat steemians pernah mengajukan kredit di perbankan,,berkas pertama yang diminta oleh petugas bank pasti KTP dan KK, ini merupakan untuk mengambil cheking BI..hal ini perlu dilakukan untuk melihat tentang sejarah perkreditan sahabat semua, baik itu diperbankan, leasing maupun ditempat lembaga keuangan lainnya.
Cheking BI perlu dilakukan karena proses pertama dalam pengajuan kredit..dari hasil cheking BI disitu bisa terlihat kredit yang sedang sahabat jalani maupun kredit sahabat yang telah lunas sahabat bayar. Bahkan disitu bisa terlihat sahabat pernah mengambil kredit di lemabaga keuangan mana saja. Nah, kredit yang telah lunas maupun kredit yang sahabat telah jalani itu bisa terlihat tentang kolektibilitas kredit sahabat semua..
Kolektibilitas bertujuan untuk mengetahui kualitas kredit sehingga perbankan bisa mengantisipasi resiko kredit yangng akan diberikan. Berikut pembagian kolektibiltas kredit yang bisa saya sampaikan kepada sahabat steemians semua :
1. Kol 1 (LANCAR)
Kol 1 adalah status kolektibilitas tertinggi yang tergolong Performing Loan (PL). Kol 1 merepresentasikan nasabah yang baik karena kelancaran membayar kreditnya.
2. Kol 2 (DALAM PERHATIAN KHUSUS)
Kol 2 ditandai oleh keterlambatan membayar debitur melebihi tanggal jatuh tempo sampai dengan 60 hari sejak tanggal jatuh tempo. Dalam praktik perbankan, umumnya Kol 2 oleh pihak bank sudah dianggap buruk karena berkaitan dengan masalah karakter nasabah. Penyelesaian kredit bermasalah dengan status Kol 2 dapat dilakukan melalui penagihan.
Kol 3 (KURANG LANCAR)
Kol 3 merupakan status kolektibilitas debitur yang terlambat membayar lebih dari 90 hari sejak tanggal jatuh tempo bulanannya sampai dengan sekurang-kurangnya 120 hari. Pada kol ini, bank berkewajiban mengeluarkan Surat Peringatan (SP). Kol 3 sudah mulai termasuk kredit Non Performing Loan.
Kol 4 (DIRAGUKAN)
Kol 4 merupakan status kolektibilitas yang menandakan keterlambatan membayar melebihi 120 hari sejak tanggal jatuh tempo bulanannya. Di tahap ini pula, bank berkewajiban mengeluarkan SP 2 dan SP 3 kepada debitur. Kol 4 masih terhitung Non Performing Loan.
Kol 5 (MACET)
Kol 5 merupakan kolektibilitas terendah yang tergolong Non Performing Loan (NPL) yang merepresentasikan angsuran pokok dan bunga kredit tidak terbayarkan dan bank berkewajiban melaksanakan penyelesaian kredit bermasalah paling terakhir yaitu melelang agunan.
Nah, ini yang bisa saya share kepada sahabat steemians semua, jadi bagi yang mempunyai kredit di lembaga keuangan bisa menjaga kolektibilitasnya ya,, jangan sampai kolektibiltas dari hasil cheking BI sahabat menjadi jelek jika akan mengambil kredit lagi di masa yang akan datang pada lembaga keuangan lainnya.
Salam kenal buat semuanya,,sahabat-sahabat steemian.. Semoga kita bisa maju bersama dalam steemit..
Terima kasih sudah membaca..
Dan yang terakhir jangan lupa untuk di upvote dan ikuti saya @alfiadi
This post has received a 0.13 % upvote from @drotto thanks to: @banjo.
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