A much lower NPL proportion
MEKAR exercise the NPL ratio because of the averaging brand new NPL percentages off their credit lovers. MEKAR’s financing lovers are loan providers (like cooperatives and you can rural banking institutions) that assists MEKAR finding and you will in search of borrowers, disbursing finance, collecting and you can operating the mortgage repayments to MEKAR’s lenders.
It’s worthy of listing one MEKAR’s credit couples have a much stricter NPL class than compared to the new fintech lending globe. MEKAR’s credit lovers envision that loan is low-creating in the event the borrower is over one-day later in the percentage.
Today, MEKAR partners with four discounts and you will financing cooperatives, specifically Koperasi Mitra Dhuafa (NPL rates off 0.72% in ), Koperasi Abdi Kerta Raharja (0.44%), Koperasi Karya Usaha Mandiri Syariah (0.05%), and Koperasi Syariah BMT ItQan (0.90%). Læs resten