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Juni 2026 Perbankan & Koperasi Yogyakarta

Strategic Micro Banking Management

Training Strategic Micro Banking Management

DESKRIPSI Training Strategic Micro Banking Management

Segmen micro banking memiliki peran penting dalam mendorong inklusi keuangan, pertumbuhan UMKM, dan ekspansi bisnis perbankan. Produk pembiayaan mikro menjadi salah satu kontributor utama dalam meningkatkan penyaluran kredit sekaligus memperluas basis nasabah, khususnya pada sektor usaha kecil dan menengah.

Namun demikian, pengelolaan bisnis micro banking menghadapi tantangan tersendiri, seperti risiko kredit yang lebih tinggi, monitoring debitur yang intensif, kualitas portofolio, persaingan antar lembaga keuangan, serta kebutuhan inovasi produk dan layanan yang sesuai dengan karakteristik pasar mikro. Untuk menghadapi tantangan tersebut, bank memerlukan strategi pengelolaan micro banking yang efektif, mulai dari market penetration, credit assessment, customer relationship management, collection strategy, hingga business expansion yang profitable dan sustainable.

TUJUAN Training Strategic Micro Banking Management

• Memahami model bisnis micro banking dan karakteristik pasar mikro
• Menyusun strategi pengembangan bisnis micro banking yang profitable
• Mengelola proses kredit mikro secara efektif dan prudent
• Mengoptimalkan customer acquisition, retention, dan collection management
• Meningkatkan kualitas portfolio dan pertumbuhan kredit mikro yang sehat

MATERI Training Strategic Micro Banking Management

1. Fundamental of Micro Banking Business
2. Strategic Business Development for Micro Banking
   • Business growth strategy
   • Market segmentation dan targeting
   • Expansion area strategy
   • Product penetration strategy
3. Micro Credit Analysis & Underwriting
   • Analisis kredit mikro
   • Character based lending
   • Cash flow based analysis
   • Simplified credit assessment
   • Risk profiling nasabah mikro
4. Loan Portfolio Management
   • Portfolio quality monitoring
   • Productivity analysis
   • Portfolio diversification
   • PAR (Portfolio at Risk) management
5. Customer Acquisition & Relationship Management
   • Prospecting strategy
   • Customer onboarding process
   • Relationship building with micro customers
   • Customer retention strategy
6. Collection & Recovery Management
   • Collection strategy untuk kredit mikro
   • Delinquency management
   • Recovery strategy
   • Field collection effectiveness
7. Risk Management in Micro Banking
   • Credit risk mitigation
   • Fraud prevention in micro lending
   • Early warning system
   • Monitoring dan control mechanism
8. Operational Excellence in Micro Banking
   • Process efficiency improvement
   • Branch productivity optimization
   • KPI management
   • Cost efficiency strategy
9. Digital Transformation in Micro Banking
   • Digital lending ecosystem
   • Mobile collection tools
   • Data analytics for micro banking
   • Digital customer engagement

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Topik Training	: Strategic Micro Banking Management
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