erred to in Section 2A include also policies and procedures regarding the Credit Restructuring, AYDA, delete the book and remove the credit bill.
Section 2C
(1) The BPR is required to set the same Productive Activa quality against some of the Productive Activa accounts used to finance one (one) Debitur on the same BPR.
(2) In the event of a Productive Activa quality difference to multiple Productive Activa Accounts for 1 (one) Debitur in the same BPR, BPR is required to set the quality of each Productive Activa following the quality of the Productive Activa Lowest.
3. The provisions of Section 12 paragraph (2) are changed and added 1 (one) the paragraph (1) of paragraph (4) so that Article 12 reads as follows:
Section 12
(1) The BPR is mandatory to form PPAP in general PPAP and special PPAP.
(2) The common PPAP as referred to in paragraph (1) is set to be at least 0.5% (five permi) of Productive Activa which has a quality Lancar.
(3) The specific PPAP as referred to in paragraph (1) is set at least as much as:
a. 10% (ten perhundred) of Productive Actives with Less Lancar quality after being reduced by collateral value;
B. 50% (fifty perhundred) of Productive Actives with the quality of Doubtful after being reduced by collateral value; and
C. 100% (one hundred perhundred) of the Productive Activa with the quality of Macet after being reduced by collateral value.
(4) The establishment of a common PPAP as referred to in paragraph (2) is excluded for the Productive Activa in the form:
a. assignment of BPR on SBI; and
B. Credit guaranteed with a licuid collateral is a SBI, a debt letter published by the Government of the Republic of Indonesia, savings and/or deposits blocked on the concerned BPR are accompanied by a letter of recuperation and precious metals.
4. The provisions of Article 13 of the paragraph (1) are changed and plus 1 (one) verse, the paragraph (3) so that Article 13 reads as follows:
Section 13
(1) The collateral value calculated as the parenation in the formation of the PPAP as referred to in section 12 paragraph (3) is set at the most high of:
a. 100% (one hundred perhundred) of the likuid collateral of the SBI, a debt letter published by the Government of the Republic of Indonesia, savings and/or deposits blocked on the concerned BPR are accompanied by a letter of liquid and metal. Your Majesty;
B. 85% (eighty-five a hundred) of the market value for collateral gold;
C. 80% (eighty-fifths) of the value of the dependants for the collateral to be land, buildings and/or houses that have certificates tied to dependants;
D. 70% (seventy perhundred) of the collateral value of the warehouse resi whose assessment is performed less than or up to 12 (twelve) months and in line with the Act as well as the applicable provisions and procedures;
e. 60% (sixty per hundred) of Value Taxable Objects (NJOP) for the collateral of land, buildings and/or houses that have certificates that are not tied to dependants;
f. 50% (Fifty per Hundred) of the NJOP for collateral in the form of land and/or building with proof of ownership of the Letter of Girik (letter C) or the same which includes the Purchasing Deed (AJB) made by notaries or other officials. Authorized personnel who have been attached to the last year of the year;
G. 50% (50%) of the market price, rent or transfer price, for collateral in the form of a business/los/kios/lapak/garap right that is accompanied by a proof of entitlement or a permit for the use of a business place/los/kiosk/title/rights a garap issued by a valid manager and accompanied by a letter of authoring or transfer of rights made/passed by a notary or made by any other authorized official;
h. 50% (fifty-fifths) of the market value for the collateral of a motor vehicle, ship or motorboat that is accompanied by proof of entitlement and has been committed to the binding of the applicable provisions;
i. 50% (fifty-perhundred) of the value of a warehouse resi of the warehouse whose assessment is performed more than 12 (twelve) months up to 18 (eighteen) months and in line with the applicable Act and applicable procedures and procedures;
J. 50% (fifty-fifths) for the share of the funds guaranteed by BUMN/BUMD that performs the business as a Credit guarantor;
No, 30% (thirty-fifths) of the market value for the collateral of a motor vehicle, ship or motorboat which is accompanied by evidence of ownership and is accompanied by a letter of power selling made/passed by a notary; and
I. 30% (thirty-perhundred) of the value of a warehouse is a warehouse whose account is performed over 18 (eighteen) months but has not surpassed 30 (thirty) months and is in line with the applicable Act and procedures and procedures.
(2) The shogunate other than the one referred to in verse (1) is not taken into account as the anointing in the formation of PPAP.
(3) The collateral value calculated as a sacrifice in the formation of the PPAP on Credit with Macet ' s collectibility:
a. after a term of two (two) years up to 3 (three) years, the highest set of 50% (fifty-fifths) of the value of the collateral is allowed to be counted as referred to in paragraph (1).
B. after a period of 3 (three) years, it cannot be taken into account as a decoding factor in the formation of PPAP.
5. The provisions of Section 14 of the paragraph (2) are changed and plus 1 (one) paragraph, the paragraph (3) so that Article 14 reads as follows:
Section 14
(1) BPR is required to perform an assessment of the collateral to know its economic value.
(2) In terms of BPR not performing an agunan assessment as referred to in paragraph (1) then the collateral is not taken into account as the PPAP ' s anointing factor.
(3) The BPR is prohibited from taking into account collateral as a sacrifice in the formation of PPAP if the collateral does not exist, it cannot be known to exist and/or cannot be execute 2A
(1) In order to provision funds in the form of Credit, BPR is required to have written policy guidelines and crediting procedures in writing.
(2) The crediting policy as referred to in paragraph (1) is required to be approved by the Board of Commissioners.
(3) The crediting procedure as referred to in paragraph (1) is mandatory at least by the Board of Directors.
(4) The Board of Commissioners is obliged to conduct active oversight of the implementation of the percrediting policy as referred to in paragraph (1).
(5) The further provisions of policy guidelines and BPR licensing procedures as referred to in paragraph (1) are set in the Indonesian Bank Circular Letter.
Section 2B
Policy guidelines and percrediting procedures as ref , paragraph (3) and paragraph (4), Section 2C, Section 11 of the paragraph (2), Section 12 of the paragraph (1), Section 14 of the paragraph (1) and paragraph (3), Section 15 of the paragraph (2), Section 17, Section 17, Section 2, Section 2, Section 2, Section 2, Section 2, Section 2, Section 2, Section 2, Section 18 (3), Article 19, Section 23, paragraph (2), paragraph (3), paragraph (4), paragraph (5), paragraph (5), paragraph (5), Section 24 (1), paragraph (4), paragraph (2), paragraph (2), paragraph (2), paragraph (2), paragraph (2), paragraph (2), section 27, and/or Section 27A (1) and paragraph (2), are subject to administrative sanctions as well as the following sections: referred to in Section 52 of the Law Number 7 Year of 1992 on Banking as amended by Act Number 10 of 1998 was:
a. written reprimand;
B. decrease of credit value in health level calculations; and/or
(c) the manager and/or shareholders in the list of the parties that are not Graduated in the assessment of the BPR skills and capabilities as contemplated in the provisions of the Bank of Indonesia which govern the assessment of the capability and the The wrineness of the BPR.
Section II
TRANSITION PROVISIONS
(1) The deadline of completion of the AYDA which BPR has acquired before the enactment of the Regulation of the Bank of Indonesia, nonetheless refers to the provisions of Article 23 of the paragraph (2) of the Bank of Indonesia Regulation Number 8/19/PBI/2006 on the Quality of Productive Actives and the Establishment The elimination of the People's Bank of the People's Earning Assets, the longest two years from the date of the takeover.
(2) The recognition of the collateral value as referred to in Article 13 paragraph (3) of the BPR Credit that has had the quality of Macet prior to this Indonesia Bank Regulation is in effect, calculated since the Bank of Indonesia Regulation applies.
Section III
CLOSING CONDITIONS
(1) At the time the Bank of Indonesia Regulation is in effect, the Decree of the Bank of Indonesia No. 23 /68/KEP/DIR dated 28 February 1991 on the Quality of Productive Activa and the Establishment of the Reserve is declared to be not applicable to the Bank of Commerce. People.
(2) The Bank of Indonesia Regulation is starting to apply since the date is set.
In order for everyone to know, order the invitational of the Bank of Indonesia Regulation with its placement in the Republic of Indonesia State Sheet.
Set in Jakarta
On December 28, 2011
INDONESIAN BANK GOVERNOR
DARMIN NASUTION
Promulgated in Jakarta
On December 28, 2011
MINISTER OF LAW AND HUMAN RIGHTS
REPUBLIC OF INDONESIA,
AMIR SYAMSUDDIN
ce with the Financial Accounting Standards and Accounting Guidelines applicable to the BPR.
