Mengecek Nama dalam Black List Bank Indonesia

Mengecek Nama dalam Black List Bank Indonesia 

Question:
I once had a complicated problem with a credit card. Never too late to be terrorized the credit card. But now it is finished and I have paid off all. I close all credit card refund to the credit card. If I could look to BI if my name in the black list of BI? Since I wanted to purchase a vehicle for use with the family.

Or, alternatively, how do I save per month in order to repay those vehicles? I have no savings to DP at 30-40% of the price of the vehicle, but my job is not fixed income every month.

Soelis


Answer:
Dear Mas Soelis,

First let me say congratulations on the hull of your credit card debt! An appropriate steps to make payment and promptly clean up the credit card debt problem. But actually you do not need to restore your credit card. You just have to cut out any cards. This is to prevent misuse of your credit card by other parties, including the employees of the bank.

Untukitu, you should check to the bank issuing your credit card that you closed, if your card is still active, or is there a bill that has not been paid off? If there are any, have immediately blocked and closed, simply through the call center.

I need to inform you that while you as a prospective borrower applying for the provision of funding / financing, the financial institution will conduct an assessment to find data facilities owned by the debtor contained in the Individual Debtor Historical Information (IDI History). History IDI will display historical information about payments made within the last 24 months. This process is called Bank Indonesia Checking.

To find out if your name is listed in the "black list" of BI or not, you need to do is figure out your History IDI BI by filling out a request form which can be obtained History IDI at BI offices nearby. BI will analyze the data and send the debtor a letter of explanation to you.

Furthermore, you currently have the funds to purchase a vehicle but still inadequate so eager to repay. Start by setting aside your earnings, but one thing to remember is: make sure your debt does not exceed 30% of the total of your expenses per month. This will ensure your monthly cash flow remains healthy.

But because you have an income that is not fixed, you should make an average income per month, or roughly, per month minimum to money how. Then the mortgage should not be more than 30% of average income or earnings is minimal.

In general, you should buy a car in cash, because it's generally vehicle loan interest rates are quite high, while the price of the vehicle more and more down. So try to buy in cash. But if it was willing to loan, the mortgage should not exceed the percentages mentioned above.

Bank Mandiri Bank Terbaik di Indonesia

Bank Mandiri Bank Terbaik di Indonesia Ikhlas "Lepas" Bank Sinar

Bank Mandiri Bank Terbaik di Indonesia Ikhlas "Lepas" Bank Sinar - PT Bank Mandiri Tbk (BMRI) akan secara resmi melepas PT Bank Sinar Harapan Bali. Sekitar 40,4 persen saham salah satu anak usahanya ini akan dilepas ke PT Pos Indonesia dan PT Tabungan Asuransi Pegawai Negeri (Taspen).

Direktur Utama Bank Mandiri Zulkifli Zaini membenarkan kabar tersebut. Pihaknya kini bersiap menandatangani kerja sama tentang kesepakatan membuat bank joint venture tersebut dalam waktu dekat.

"Iya, itu Bank Sinar Harapan Bali yang saat ini kami masih mayoritas di sana. Tapi kami akan tetap menjadi mayoritas di bank tersebut," kata Zulkifli saat ditemui di Hotel Four Seasons, Jakarta, Rabu (30/1/2013).

Menurut Zulkifli, pihaknya mengaku ikhlas melepas Bank Sinar karena kerja sama ini merupakan kerja sama patungan di antara perusahaan-perusahaan BUMN, yaitu PT Pos Indonesia dan PT Taspen. Harapannya, kerja sama tersebut akan makin memperkuat bank di Bali tersebut.

Karena akan menjadi entitas perusahaan patungan, Zulkifli menjelaskan bahwa bank tersebut akan melayani pelanggan di setiap perusahaan patungan. Dengan PT Pos Indonesia, misalnya, Bank Sinar akan memiliki jumlah cabang yang semakin besar seiring dengan jumlah cabang yang dimiliki PT Pos Indonesia. Begitu juga dengan keberadaan PT Taspen yang mengurusi banyak pensiunan.

Nantinya, bank hasil patungan tersebut semakin besar memberikan kucuran kredit atau memperluas basis nasabah di kalangan pensiunan. "Bank ini juga akan diarahkan menjadi branchless banking. Itu sudah dijadikan pilot project. Kami kini sedang menanti aturan Bank Indonesia soal branchless banking tersebut. Nanti biar makin agresif," tuturnya.

Karena menjadi perusahaan patungan, Bank Mandiri juga akan meningkatkan modal bersama yang akan disetor bersama PT Pos Indonesia dan PT Taspen. Hasil kesepakatan, bank ini akan dinaikkan modalnya hingga Rp 500 miliar dari saat ini hanya Rp 100 miliar.

"Setelah beberapa saham dilepas, nantinya dirundingkan lagi soal namanya, apakah akan dilepas atau dipertahankan namanya," katanya.

Seperti diberitakan, PT Pos Indonesia akan melakukan gebrakan dengan membuat bank. Cara ini dilakukan sebagai diversifikasi bisnis perseroan. Bank yang diincar adalah PT Bank Sinar Harapan Bali. Bank tersebut adalah anak usaha PT Bank Mandiri Tbk yang saat ini masih menguasai 81,46 persen saham.Nantinya, PT Pos Indonesia dan PT Taspen sama-sama mengambil alih 20,2 persen saham di Bank Sinar Harapan Bali. Sementara sisanya, sebesar 6,08 persen, yang masih dikuasai pemegang saham lama dibeli PT Pos Indonesia kemudian.