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Dampak Korona, Gesekan Kartu Di Mesin EDC Lesu

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Dampak Korona, Gesekan Kartu Di Mesin EDC Lesu Di beberapa sektor, jumlah transaksi bisnis PERBANKAN merchant BNI masih meningkat 10% yoy. Sri Indira, General Manager Divisi E-Banking Bank BNI Kontan Selasa, 5 Mei 2020 Konter Laba Bersih BRI Syariah Dampak Korona, Gesekan Melesat 150% JAKARTA. Meski wabah korona mengintai, PT Bank BRI Syariah Tbk (BRIS) mencetak kinerja positif sepanjang Kartu di Mesin EDC Lesu kuartal I 2020. Anak usaha Bank Rakyat Indonesia (BRI) ini membukukan laba bersih melonjak hingga 150% secara year on year (yoy) dalam tiga bulan pertama tersebut. PSBB membuat transaksi gesek kartu menurun karena transaksi nasabah beralih ke digital Mengutip laporan keuangan BRIS yang terbit pada Senin (4/5), bank syariah ini tercatat mengantongi laba bersih senilai Rp 75,15 miliar pada kuartal I 2020. Sedangkan di Marshall Sautlan nurun. meningkat. "Untuk transaksi per Maret 2020 total transaksi sektor, jumlah transaksi bis- periode yang sama tahun sebelumnya BRI Syariah baru Transaksi EDC per Februari di EDC ada yang menurun telah mencapai 120 juta trans- nis merchant Bank BNI masih berhasil membungkus keuntungan senilai Rp 30,05 miliar. 2020 turun 7,1% secara month jumlah transaksinya dan volu- aksi dengan kenaikan lebih meningkat sebesar 10% secara Pertumbuhan tersebut sejalan dengan peningkatan pen- JAKARTA. Pandemi virus ko- to month (mtm). Penurunan menya seperti hotel, restoran dari 70% secara year on year yoy. dapatan setelah distribusi bagi hasil 43,19% menjadi Rp rona menyebabkan interaksi terus berlanjut hingga per dan hiburan," katanya, Senin (yoy). Ini merupakan hasil dari 690,04 miliar. Naik dibandingkan Rp 481,9 miliar pada tri- antar manusia berkurang. In- April 2020 penurunannya me- (4/5). Sementara itu, General Ma- upaya BNI untuk mengalihkan wulan pertama tahun 2019. tensitas pertemuan fisik dan ningkat menjadi 45,5% secara Tapi kabar baiknya, Thomas nager Divisi E-Banking Bank merchant offline ke online, Pembiayaan BRI Syariah mencapai Rp 28,52 triliun atau tatap muka yang terbatas juga mtm. menuturkan transaksi digital BNI, Sri Indira menjelaskan, serta menggalakkan penye- tumbuh 26,1 % ketimbang periode yang sama tahun lalu membuat transaksi pemba- Sejumlah bankir mengata- seperti Mandiri Online me- walaupun transaksi EDC cen- diaan EDC mobile dan fokus sebesar Rp 22,6 triliun. yaran lewat tatap muka ikut kan, pilihan masyarakat da- ningkat signifikan. Tercatat derung menurun di beberapa masuk ke transaksi perbelan- Rasio pembiayaan bermasalah atau non performing fi- terdampak . Pada kondisi se- lam bertransaksi saat jaan, department store nancing (NPF) bank syariah ini menurun. Secara gross perti sekarang, penggunaan ini memang berubah. dan sejenisnya. "Ha- turun jadi 5% dari 5,68% pada kuartal I 2019, dan secara net digital payment menjadi pi- SVP Transaction Transaksi ATM Debet silnya, dari mobile turun dari 4,35% jadi 2,95%. lihan transaksi yang paling Banking and Retail banking terjadi kena- Pertumbuhan BRI Syariah diperkirakan akan kencang. aman. Sales Bank Mandiri 2020* 2019* 2019 2018 2017 ikan 44% yoy dan no- BRI Syariah terus menambah jaringan. Pertengahan April Kondisi ini berdampak pada Thomas Wahyudi bi- Volume 1,13 miliar 1,67 miliar 7,02 miliar 6,4 miliar 5,69 miliar minal transaksi 81% lalu misalnya, BRI Syariah bersama BRI membuka 11 kan- menurunnya penggunaan me- lang, transaksi pada Nominal 1.775,25 triliun 1.818,91 triliun 7.474,82 triliun 6.927,26 triliun 6.200,43 triliun yoy," ungkap Sri. tor cabang BRI Syariah yang beralamat sama (colocation) sin electronic data capture merchant fisik melalui Direktur Konsumer dengan kantor cabang BRI di Nanggroe Aceh Darussalam. (EDC) yang sebelumnya men- mesin EDC memang PT Bank CIMB Niaga Ke-11 kantor cabang BRI Syariah tersebut berlokasi di jadi salah satu layanan andal- cenderung menurun. Transaksi Kartu Kredit Lani Darmawan bi- Banda Aceh, Bireuen, Blangpidie, Kutacane, Kuala Sim- an masyarakat dalam ber- Tapi ada juga per- 2020* 2019* 2019 2018 2017 lang, aplikasi mobile pang, Langsa, Lhokseumawe, Meulaboh, Sigli, Takengon transaksi. Benar saja, Bank ubahan tren, semisal banking CIMB Niaga dan Tapaktuan. Indonesia (BI) mencatat, rata- di sektor perbelanjaan Volume 84,53 juta 83,69 juta 349,21 juta 338,34 juta 327,37 juta tercatat naik 35% di rata transaksi harian melalui ritel (supermarket) Nominal 78,61 triliun 81,92 triliun 342,68 triliun 314,29 triliun 297,76 triliun tengah penurunan Dina Mirayanti Hutauruk EDC di skema Gerbang Pem- transaksi EDC menu- * Per Maret Sumber : Bank Indonesia transaksi lewat mesin bayaran Nasional (GPN) me- run tapi volumenya Ket : Volume dalam satuan transaksi; Nominal dalam Rupiah EDC hingga 50%. n Aksi Merger Perbankan (1) Memutar Ulang Jejak Penyelamatan Bank Banten Anggar Septiadi sejak awal sulit berkembang. dian bisnis utama beralih dari Hingga akhir tahun lalu, Bank segmen korporasi menjadi Banten tak pernah sekalipun segmen UMKM. Seremoni abang Bank Ban- mendapat laba. Rasio kredit digelar di bilangan Monas, ten beberapa macet juga modal minimum Jakarta pada September 2010 juga sulit mengikuti ketentu- dengan mengundang peda- Cwaktu lalu diserbu an aman dari Otoritas Jasa gang kecil. Seperti penjual para nasabah. Mereka Keuangan (OJK). sayur, bahan pokok, hingga khawatir dana mereka di Rekam jejak Bank Banten makanan dan minuman turut sejatinya dipenuhi aksi memeriahkan acara. bank pembangunan penyelamatan bank. Tapi Namun, niat Rosan daerah itu tidak bisa sayangnya selalu gagal. memajukan Bank Pundi Mulanya pada tahun 2009, seperti halnya di Bank ditarik. Ternyata, itu perseroan ini yang kala itu Tabungan Pensiunan buntut rencana Pemprov bernama Bank Eksekutif Nasional (BTPN) jauh Banten menyelamatkan mencatat kinerja yang jeblok panggang dari api. Enam akibat krisis keuangan tahun tahun jadi pengendali, kinerja Bank Banten lewat 2008. Bank Indonesia (BI) Bank Pundi tetap sulit merger dengan BJBR. yang masih menjadi otoritas terakselerasi. perbankan kala itu meminta Rasio kredit macet selalu pemilik Bank Eksekutif yaitu berada di atas 6%, capital Keluarga Widjaja agar adequacy ratio (CAR) bahkan memperkuat struktur sempat menyentuh 8%. Nilai Rencana penggabungan permodalan. Keluarga sebesar itu menunjukkan usaha atau merger antara PT Widjaja tak menyanggupi, bank benar-benar sakit. Dari Bank Pembangunan Banten hingga akhirnya mencari enam tahun, cuma dua kali Tbk (BEKS) dengan PT Bank calon investor anyar. Bank Pundi meraih laba. Pembangunan Daerah Jawa Datanglah Recapital Group. Ini yang memaksa Rosan Barat Tbk (BJBR) yang Perusahaan kongsi Sandiaga harus rela melego Bank muncul di tengah pandemi Uno dan Rosan P Roeslani Pundi. Kali ini Pemprov Covid-19 mengejutkan menggantikan posisi Keluar- Banten yang berminat. Pada banyak pihak. Konon, ga Widjaja menjadi pengen- 2016 melalui BUMD bernama pemerintah pusat ikut dali Bank Eksekutif via PT Banten Global Develop- campur tangan dalam beberapa tahap penyertaan ment (BGD), Pemprov rencana aksi ini. modal di bank tersebut. Banten juga menjadi pengen- Penggabungan ini bertuju- Bank Eksekutif kemudian dali perseroan mengubah an menyelamatkan Bank dirombak total oleh Rosan. menjadi Bank Banten. n Banten. Maklum kinerja bank Nama perseroan diubah pembangunan daerah (BPD) menjadi Bank Pundi. Kemu- (Bersambung).
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