Circular Letter of the Financial Services Authority Number 41/SEOJK.03/2017 Concerning Maximum Limit on Credit Provision by Rural Banks

To:
The Board of Directors of Rural Banks at your place.

COPY

CIRCULAR LETTER OF THE FINANCIAL SERVICES AUTHORITY NUMBER 41 /SEOJK.03/2017

CONCERNING

MAXIMUM LIMIT ON CREDIT PROVISION BY RURAL BANKS

In connection with the Financial Services Authority Regulation Number 49/POJK.03/2017 concerning the Maximum Limit on Credit Provision by Rural Banks (State Gazette of the Republic of Indonesia Year 2017 Number 155, Additional State Gazette of the Republic of Indonesia Number 6098), hereinafter abbreviated as POJK BMPK BPR, and in connection with the transfer of functions, duties, and authority for the regulation and supervision of financial services in the banking sector from Bank Indonesia to the Financial Services Authority, it is necessary to regulate again the implementation provisions regarding the Maximum Limit on Credit Provision by Rural Banks in a Circular Letter of the Financial Services Authority as follows:

I. GENERAL PROVISIONS

Rural Banks (BPR) in providing funds need to pay attention to the principle of prudence, inter alia, by diversifying the portfolio of Fund Provision provided so that the risk of such Fund Provision is not concentrated on a specific Borrower or group of Borrowers.
In the context of monitoring Fund Provision, BPRs submit reports on the Maximum Limit on Credit Provision (BMPK) periodically to the Financial Services Authority.
BMPK reporting is submitted by the BPR headquarters online, which includes data from the headquarters and data from all BPR branches.

II. BMPK CALCULATION

BMPK for Credit
The BMPK calculation for Credit is based on the debit balance of all Credits received by the relevant debtor, including the provision of Credit in the name of another debtor used for the benefit of the relevant debtor. For Credit in the form of a current account, the BMPK calculation is based on the highest debit balance in the reporting month.
BMPK for Interbank Fund Placement in the Form of Savings
The BMPK calculation for Interbank Fund Placement in the form of savings is based on the highest balance in the reporting month.
BMPK for Interbank Fund Placement in the Form of Time Deposits
The BMPK calculation for Interbank Fund Placement in the form of time deposits is based on the nominal amount as stated in all time deposit receipts at the same BPR.
BMPK for Fund Provision to Related Parties
The BMPK calculation for Fund Provision to Related Parties is based on the total amount of the debit balance of Related Party Credits and the total nominal amount or debit balance of Interbank Fund Placement (savings, deposits, and Credit) to all other Related Party BPRs, amounting to 10% (ten percent) of the BPR's Capital.
BMPK for Interbank Fund Placement at Other Non-Related Party BPRs
The BMPK calculation for Interbank Fund Placement at other Non-Related Party BPRs is based on the total nominal amount or debit balance of Interbank Fund Placement (savings, deposits, and Credit) at each Non-Related Party BPR, amounting to 20% (twenty percent) of the BPR's Capital.
Fund Provision in the Form of Credit to One or More Non-Related Party Borrowers Who Are Part of a Non-Related Party Borrower Group
The BMPK calculation for Fund Provision in the form of Credit to one or more Non-Related Party Borrowers who are part of a Non-Related Party Borrower Group is calculated based on the provision of Credit to each Borrower and the provision of Credit to one group of Non-Related Party Borrowers. The BMPK for Credit provision to one group of Non-Related Party Borrowers is 30% (thirty percent) of the BPR's Capital.

III. BMPK VIOLATIONS

A BPR is stated to have committed a BMPK violation if there is an excess difference between the percentage of Fund Provision realized against the BPR's Capital and the permitted BMPK. A BPR remains assessed as violating BMPK until such BMPK Violation is resolved.
The BPR Capital used in the BMPK calculation is the sum of Core Capital and Supplementary Capital as regulated in the Financial Services Authority Regulation regarding minimum Capital provision requirements and fulfillment of minimum Core Capital for BPRs at the position of the last month before the realization of Fund Provision.
In the event of a BMPK Violation consisting of Fund Provision in the form of Credit to one or more Non-Related Party Borrowers who are part of a Non-Related Party Borrower Group, the BMPK Violation is calculated based on the sum of violations for Credit provision to each Borrower and the violation of Credit provision to one group of Non-Related Party Borrowers.
BMPK Calculation Examples:

a. Credit with installments where disbursement is done all at once BPR "X" provides a Credit facility with installment payments to debtor A (Non-Related Party) with disbursement done all at once under the following conditions:

BPR Capital:
a) End of June 2017: Rp1,500,000,000.00 (one billion five hundred million rupiah). b) End of July 2017: Rp1,400,000,000.00 (one billion four hundred million rupiah).
Non-Related Party BMPK: 20%
a) July 2017: Rp300,000,000.00 (three hundred million rupiah).
(= 20% x Rp1,500,000,000). b) August 2017: Rp280,000,000.00 (two hundred eighty million rupiah).
(= 20% x Rp1,400,000,000.00).
Credit Facility: Rp400,000,000.00 (four hundred million rupiah).
Tenor: 18 (eighteen) months.
Credit Agreement Date: July 14, 2017.
Credit Realization: One-time Credit disbursement on July 14, 2017.
Debit Balance:
a) End of July 2017: Rp400,000,000.00 (four hundred million rupiah). b) End of August 2017: Rp350,000,000.00 (three hundred fifty million rupiah).

BMPK Calculation

July 2017
Based on the percentage of the debit balance at the time of realization or disbursement of debtor A's Credit, which is Rp400,000,000.00 (four hundred million rupiah) against the BPR Capital at the end of June 2017, which is Rp1,500,000,000.00 (one billion five hundred million rupiah), minus the Non-Related Party BMPK percentage (20%), the result is as follows:
(Rp400,000,000.00 / Rp1,500,000,000.00 x 100%) – 20% = 6.67% Thus, there is a BMPK violation of 6.67% (six point six seven percent).
August 2017
Based on the percentage of debtor A's debit balance at the end of August 2017, which is Rp350,000,000.00 (three hundred fifty million rupiah) against the BPR Capital at the end of July 2017, which is Rp1,400,000,000.00 (one billion four hundred million rupiah), minus the Non-Related Party BMPK percentage (20%), the result is as follows:
(Rp350,000,000.00 / Rp1,400,000,000.00 x 100%) – 20% = 5% Thus, there is a BMPK violation of 5% (five percent).

b. Credit with phased disbursement
BPR "Y" provides a Credit facility to debtor B (Related Party) with phased disbursement under the following conditions:

BPR Capital:
a) End of July 2017: Rp2,000,000,000.00 (two billion rupiah). b) End of August 2017: Rp1,500,000,000.00 (one billion five hundred million rupiah).
Related Party BMPK: 10%
a) August 2017: Rp200,000,000.00 (two hundred million rupiah).
(= 10% x Rp2,000,000,000.00). b) September 2017: Rp150,000,000.00 (one hundred fifty million rupiah).
(= 10% x Rp1,500,000,000.00).
Credit Facility: Rp200,000,000.00 (two hundred million rupiah).
Tenor: 24 (twenty-four) months.
Credit Agreement Date: August 8, 2017.
Credit Realization: Phased Credit disbursement
a) Disbursement Stage I, August 8, 2017: Rp100,000,000.00 (one hundred million rupiah). b) Disbursement Stage II, September 8, 2017: Rp100,000,000.00 (one hundred million rupiah).

BMPK Calculation

August 2017
Based on the percentage of the debit balance at the time of realization or disbursement of debtor B's Credit Stage I, which is Rp100,000,000.00 (one hundred million rupiah) against the BPR Capital at the end of July 2017, which is Rp2,000,000,000.00 (two billion rupiah), minus the Related Party BMPK percentage (10%), the result is as follows:
(Rp100,000,000.00 / Rp2,000,000,000.00 x 100%) – 10% = -5% Thus, there is no BMPK violation.
September 2017
With the realization or disbursement of debtor B's Credit Stage II amounting to Rp100,000,000.00 (one hundred million rupiah), the debit balance becomes Rp200,000,000.00 (two hundred million rupiah). The percentage of this debit balance against the BPR Capital at the end of August 2017, which is Rp1,500,000,000.00 (one billion five hundred million rupiah), minus the Related Party BMPK percentage (10%), yields the following result:
(Rp200,000,000.00 / Rp1,500,000,000.00 x 100%) – 10% = 3.33% Thus, there is a BMPK violation of 3.33% (three point three three percent).

c. Credit with current account facility
BPR "Y" provides a current account Credit facility to debtor C (Non-Related Party) under the following conditions:

BPR Capital: End of August 2017: Rp1,800,000,000.00 (one billion eight hundred million rupiah).
Non-Related Party BMPK: 20% or Rp360,000,000 (three hundred sixty million rupiah).
(= 20% x Rp1,800,000,000.00).
Credit Facility: Rp400,000,000.00 (four hundred million rupiah).
Tenor: 12 (twelve) months.
Credit Agreement Date: September 5, 2017.
Realization of debit balance: In September 2017.

BMPK Violation Calculation
The BMPK calculation is based on the percentage of the highest debit balance in the relevant month (September 2017), which is Rp400,000,000.00 (four hundred million rupiah) against the BPR Capital at the end of August 2017, which is Rp1,800,000,000.00 (one billion eight hundred million rupiah), minus the Non-Related Party BMPK percentage (20%), with the calculation as follows:
(Rp400,000,000.00 / Rp1,800,000,000.00 x 100%) – 20% = 2.22% Thus, there is a BMPK Violation of 2.22% (two point two two percent).

d. Credit provision where individual borrowers do not exceed BMPK but the borrower group exceeds BMPK BPR "X" provides a Credit facility to debtor A (Non-Related Party) and debtor PT B (PT B guarantees the Credit provided by BPR "X" to debtor A) with disbursement done all at once under the following conditions:

BPR Capital: End of September 2017: Rp3,000,000,000.00 (three billion rupiah).

Date	Disbursement	Debit Balance
September 8	Rp370,000,000,-	Rp370,000,000,-
September	Rp5,000,000,-	Rp365,000,000,-
September	Rp35,000,000,-	Rp400,000,000,-
September	Rp15,000,000,-	Rp385,000,000,-

Non-Related Party BMPK:
a) Individual Borrower: 20% or Rp600,000,000.00 (six hundred million rupiah).
(= 20% x Rp3,000,000,000.00). b) Borrower Group: 30% or Rp900,000,000.00 (nine hundred million rupiah).
(= 30% x Rp3,000,000,000.00).
Credit Facility: a) Debtor A: Rp500,000,000.00 (five hundred million rupiah).
b) Debtor PT B: Rp600,000,000.00 (six hundred million rupiah).
Tenor: Each 24 (twenty-four) months.
Credit Agreement Date: a) Debtor A, October 16, 2017.
b) Debtor PT B: Rp600,000,000.00 (six hundred million rupiah).
Credit Realization: Disbursement done all at once
a) Debtor A, October 16, 2017. b) Debtor PT B, October 20, 2017.

BMPK Violation Calculation

Individual Borrower BMPK
a) Credit provision by BPR "X" to debtor A amounting to Rp500,000,000.00 (five hundred million rupiah) does not violate BMPK with the calculation as follows:
(Rp500,000,000.00 / Rp3,000,000,000.00 x 100%) – 20% = -3.34%. b) Credit provision by BPR "X" to debtor PT B amounting to Rp600,000,000.00 (six hundred million rupiah) does not violate BMPK with the calculation as follows:
(Rp600,000,000.00 / Rp3,000,000,000.00 x 100%) – 20% = 0%.
Borrower Group BMPK
Given that debtor A and PT B meet the criteria for a borrower group, the BMPK calculation is also based on the debit balance of the borrower group, which is Rp1,100,000,000.00 (one billion one hundred million rupiah) (Rp500,000,000.00 + Rp600,000,000.00). The BMPK for Non-Related Party Borrower Groups is 30%. The calculation for this borrower group BMPK is as follows:
(Rp1,100,000,000.00 / Rp3,000,000,000.00 x 100%) – 30% = 6.67%.
Thus, there is a Non-Related Party Borrower Group BMPK Violation of 6.67% (six point six seven percent).

Based on the calculations in items 1) and 2) above, the provision of Credit to each Borrower, namely debtor A and PT B, does not violate BMPK individually, but the borrower group violates BMPK by 6.67% (six point six seven percent).

e. Credit provision and Interbank Fund Placement at other BPRs where individual borrowers exceed BMPK but the borrower group does not exceed BMPK BPR "Y" places its funds at BPR "Z" and provides a Credit facility to debtor PT A (Non-Related Party owning 40% of the shares of BPR "Z") under the following conditions:

BPR Capital: End of October 2017: Rp5,000,000,000.00 (five billion rupiah).
Non-Related Party BMPK:
a) Individual Borrower: 20% or Rp1,000,000,000.00 (one billion rupiah).
(= 20% x Rp5,000,000,000.00) b) Borrower Group: 30% or Rp1,500,000,000.00 (one billion five hundred million rupiah) (= 30% x Rp5,000,000,000.00).
BPR "Y"'s Fund Provision to BPR "Z" consists of:
a) Deposit: Rp500,000,000.00 (five hundred million rupiah), tenor 3 (three) months (November 10, 2017 to February 10, 2018). b) Credit: Rp700,000,000.00 (seven hundred million rupiah).
BPR "Y" provides Credit to debtor PT A amounting to Rp800,000,000.00 (eight hundred million rupiah).
Tenor: 36 (thirty-six) months.
Credit Agreement Date: a) BPR "Z", November 3, 2017.
b) Debtor PT A, November 10, 2017.
Credit Realization: Disbursement done all at once
a) BPR "Z" on November 3, 2017. b) Debtor PT A on November 10, 2017.

BMPK Calculation:

Individual Borrower BMPK
a) Interbank Fund Placement by BPR "Y" at BPR "Z" consisting of a deposit of Rp500,000,000.00 (five hundred million rupiah) and Credit of Rp700,000,000.00 (seven hundred million rupiah), so the total Interbank Fund Placement is Rp1,200,000,000.00 (one billion two hundred million rupiah). The BMPK for Interbank Fund Placement at other BPRs is 20%. The calculation for this Interbank Fund Placement BMPK is as follows:
(Rp1,200,000,000.00 / Rp5,000,000,000.00 x 100%) – 20% = 4%. b) Credit provision by BPR "Y" to debtor PT A amounting to Rp800,000,000.00 (eight hundred million rupiah) does not violate BMPK with the calculation as follows:
(Rp800,000,000.00 / Rp5,000,000,000.00 x 100%) – 20% = -4%.
Borrower Group BMPK
Given that debtor PT A and BPR "Z" meet the criteria for a borrower group, the BMPK calculation is also based on the borrower group. Based on the calculation, the BMPK for the borrower group does not violate BMPK because the total debit balance in the form of Credit to each debtor PT A of Rp700,000,000.00 (seven hundred million rupiah) and BPR "Z" of Rp800,000,000.00 (eight hundred million rupiah), totaling Rp1,500,000,000.00 (one billion five hundred million rupiah), does not exceed the BMPK for Non-Related Party Borrower Groups, which is at most 30%, with the calculation as follows:
(Rp1,500,000,000.00 / Rp5,000,000,000.00 x 100%) – 30% = 0%.

Based on the calculations above:

BPR "Y"'s fund placement at BPR "Z" violates BMPK for Interbank Fund Placement at other BPRs by 4% (four percent).
BPR "Y"'s Credit provision to debtor PT A does not violate BMPK.
Credit provision to BPR "Z" and debtor PT A as a group of Non-Related Party Borrowers also does not violate BMPK.

f. Credit provision where both individual and borrower group exceed BMPK BPR "B" provides a Credit facility to Non-Related Party debtors PT X and PT Y. PT X and PT Y are owned by Mr. S with 50% share ownership in each PT. Credit disbursement is done all at once under the following conditions:

BPR Capital: End of November 2017: Rp4,000,000,000.00 (four billion rupiah).
Non-Related Party BMPK:
a) Individual Borrower: 20% or Rp800,000,000.00 (eight hundred million rupiah).
(= 20% x Rp4,000,000,000.00). b) Borrower Group: 30% or Rp1,200,000,000.00 (one billion two hundred million rupiah).
(= 30% x Rp4,000,000,000.00).
Credit Facility: a) Debtor PT X: Rp1,000,000,000.00 (one billion rupiah).
b) Debtor PT Y: Rp900,000,000.00 (nine hundred million rupiah).
Tenor: Each 48 (forty-eight) months.
Credit Agreement Date: a) Debtor PT X, December 7, 2017.
b) Debtor PT Y, December 15, 2017.
Credit Realization: Disbursement done all at once
a) Debtor PT X, December 7, 2017. b) Debtor PT Y, December 15, 2017.

BMPK Violation Calculation

Individual Borrower BMPK
a) Credit provision by BPR "B" to debtor PT X amounting to Rp1,000,000,000.00 (one billion rupiah) violates BMPK with the calculation as follows:
(Rp1,000,000,000.00 / Rp4,000,000,000 x 100%) – 20% = 5%. b) Credit provision by BPR "B" to debtor PT Y amounting to Rp900,000,000.00 (nine hundred million rupiah) violates BMPK with the calculation as follows:
(Rp900,000,000.00 / Rp4,000,000,000 x 100%) – 20% = 2.5%.
Borrower Group BMPK
Given that debtor PT X and PT Y meet the criteria for a Non-Related Party Borrower Group, the BMPK calculation is also based on the borrower group, which amounts to Rp1,900,000,000.00 (one billion nine hundred million rupiah) (Rp1,000,000,000.00 + Rp900,000,000.00). The BMPK for Non-Related Party Borrower Groups is 30%. The calculation for this borrower group BMPK is as follows:
(Rp1,900,000,000.00 / Rp4,000,000,000.00 x 100%) – 30% = 17.5%.

Based on the calculations above:

Credit provision by BPR "B" to debtor PT X individually violates BMPK by 5% (five percent).
Credit provision by BPR "B" to debtor PT Y individually violates BMPK by 2.5% (two point five percent).
Credit provision by BPR "B" to debtors PT X and PT Y as a group of Non-Related Party Borrowers violates the Non-Related Party Borrower Group BMPK by 17.5% (seventeen point five percent).

Thus, the total percentage of BMPK violations committed by BPR "B" is 25% (twenty-five percent).

g. Interbank Fund Placement at other BPRs in the form of time deposits BPR "Y" places its funds in the form of time deposits at BPR "Z" under the following conditions:

BPR "Y" Capital:
a) End of August 2017: Rp4,900,000,000.00 (four billion nine hundred million rupiah). b) End of September 2017: Rp5,000,000,000.00 (five billion rupiah).
BMPK for Interbank Fund Placement at other BPRs: 20% (twenty percent)
a) September 2017: Rp980,000,000.00 (nine hundred eighty million rupiah) (= 20% x Rp4,900,000,000.00). b) October 2017: Rp1,000,000,000.00 (one billion rupiah) (= 20% x Rp5,000,000,000.00).
BPR "Y"'s Fund Provision to BPR "Z" consists of:
a) Deposit I: Rp700,000,000.00 (seven hundred million rupiah) with a tenor of 3 (three) months (July 10, 2017 to October 10, 2017). b) Deposit II: Rp500,000,000.00 (five hundred million rupiah) with a tenor of 1 (one) month (October 2, 2017 to November 2, 2017).

BMPK Violation Calculation

September 2017
Based on the percentage of the nominal amount as stated in Deposit I receipt amounting to Rp700,000,000.00 (seven hundred million rupiah) against the BPR Capital at the end of August 2017, which is Rp4,900,000,000.00 (four billion nine hundred million rupiah), minus the BMPK percentage for Interbank Fund Placement at other Non-Related Party BPRs (20%), the result is as follows:
(Rp700,000,000.00 / Rp4,900,000,000.00 x 100%) – 20% = -5.71% Thus, there is no BMPK violation.
October 2017
With the placement of Deposit II amounting to Rp500,000,000.00 (five hundred million rupiah) on October 2, 2017, the total placement of deposits at BPR "Z" on that date becomes Rp1,200,000,000.00 (one billion two hundred million rupiah). Thus, the percentage of the nominal amount of this Interbank Fund Placement against the BPR Capital at the end of September 2017, which is Rp5,000,000,000.00 (five billion rupiah), minus the BMPK percentage for Interbank Fund Placement at other Non-Related Party BPRs (20%), yields the following result:
(Rp1,200,000,000.00 / Rp5,000,000,000.00 x 100%) – 20% = 4% Thus, there is a BMPK violation of 4% (four percent).

Based on the BMPK calculation examples as referred to in Section III item 4, particularly for letters a, c, d, e, and f, in addition to violating BMPK, the BPR also violates Article 3 paragraph (1) of POJK BMPK BPR, which states that BPRs are prohibited from making Credit Agreements that require the BPR to provide funds that will result in a BMPK Violation.

IV. BMPK EXCEEDANCE

Fund Provision by a BPR is categorized as a BMPK Exceedance if there is an excess difference between the percentage of Fund Provision realized against the BPR's Capital on the reporting date and the permitted BMPK, and it is not included as a BMPK Violation.
BMPK Exceedance can be caused by a decrease in BPR Capital, business merger, business consolidation, business acquisition, changes in ownership structure and/or changes in management that cause changes in Related Parties and/or borrower groups, and/or changes in regulations.
Example of BMPK Exceedance Calculation due to Decrease in BPR Capital
BPR "X" provides a Credit facility with installment payments to debtor A (Non-Related Party) with disbursement done all at once under the following conditions:
a. BPR Capital:

End of August 2017: Rp1,500,000,000.00 (one billion five hundred million rupiah).
End of September 2017: Rp1,200,000,000.00 (one billion two hundred million rupiah).

b. Maximum Credit Granting Limit for Non-Related Parties: 20% (twenty percent)

September 2017 amounting to Rp300,000,000.00 (three hundred million rupiah).
(= 20% x Rp1,500,000,000.00).
October 2017 amounting to Rp240,000,000.00 (two hundred forty million rupiah).
(= 20% x Rp1,200,000,000.00).
c. Credit Facility: Rp300,000,000.00 (three hundred million rupiah).
d. Tenor: 18 (eighteen) months. e. Credit Agreement Date: 15 September 2017. f. Credit Realization: Single disbursement on 21 September 2017. g. Debit Balance:
As of end of September 2017 amounting to Rp300,000,000.00 (three hundred million rupiah).
As of end of October 2017 amounting to Rp285,000,000.00 (two hundred eighty-five million rupiah).

Calculation of Maximum Credit Granting Limit Exceedance a. September 2017 Based on the percentage of the debit balance at the time of realization for Debtor A, which was Rp300,000,000.00 (three hundred million rupiah), against the BPR Capital as of the end of August 2017 amounting to Rp1,500,000,000.00 (one billion five hundred million rupiah) minus the percentage of the Maximum Credit Granting Limit for Non-Related Parties (20% (twenty percent)), the result is as follows:
(Rp300,000,000.00 / Rp1,500,000,000.00 x 100%) – 20% = 0% No violation of the Maximum Credit Granting Limit. b. October 2017 Based on the percentage of Debtor A's debit balance at the end of October 2017, which was Rp285,000,000.00 (two hundred eighty-five million rupiah), against the BPR Capital as of the end of September 2017 amounting to Rp1,200,000,000.00 (one billion two hundred million rupiah) minus the percentage of the Maximum Credit Granting Limit for Non-Related Parties (20% (twenty percent)), the result is as follows:
(Rp285,000,000.00 / Rp1,200,000,000.00 x 100%) – 20% = 3.75% Thus, there is an exceedance of the Maximum Credit Granting Limit by 3.75% (three point seven five percent).

V. SUBMISSION OF MAXIMUM CREDIT GRANTING LIMIT REPORTS AND/OR CORRECTIONS TO MAXIMUM CREDIT GRANTING LIMIT REPORTS

Rural Banks must submit Maximum Credit Granting Limit reports to the Financial Services Authority no later than the 14th of the month following the end of the reporting month:
a. Online via the Financial Services Authority reporting system in accordance with the format and regulations established by the Financial Services Authority. b. Online via the Rural Banks Periodic Reports application as regulated in the regulations governing monthly Rural Bank reports, in the event that submission of Maximum Credit Granting Limit reports via the Financial Services Authority reporting system as referred to in letter a cannot yet be performed.
Rural Banks must submit corrections to Maximum Credit Granting Limit reports to the Financial Services Authority no later than the 20th of the month following the end of the reporting month:
a. Online via the Financial Services Authority reporting system in accordance with the format and regulations established by the Financial Services Authority. b. Online via the Rural Banks Periodic Reports application as regulated in the regulations governing monthly Rural Bank reports, in the event that submission of corrections to Maximum Credit Granting Limit reports via the Financial Services Authority reporting system as referred to in letter a cannot yet be performed.
In the event that reports are submitted past the deadline as referred to in items 1 and 2, the Rural Bank is declared to have submitted the Maximum Credit Granting Limit report and/or correction to the Maximum Credit Granting Limit report late.
Online submission of Maximum Credit Granting Limit reports and/or corrections to Maximum Credit Granting Limit reports is conducted until the end of the reporting month. Online Maximum Credit Granting Limit reports and/or corrections to Maximum Credit Granting Limit reports may be submitted on holidays.
In the event that a Rural Bank does not submit Maximum Credit Granting Limit reports and/or corrections to Maximum Credit Granting Limit reports until the end of the reporting month, the Rural Bank is declared not to have submitted the Maximum Credit Granting Limit report and/or correction to the Maximum Credit Granting Limit report.
In the event that submission of Maximum Credit Granting Limit reports and/or corrections to Maximum Credit Granting Limit reports is conducted after the end of the reporting month, such reports may only be submitted offline. Offline submission of Maximum Credit Granting Limit reports and/or corrections to Maximum Credit Granting Limit reports is conducted in the form of a digital disk (compact disk) or other electronic data recording media accompanied by validation results signed by the person in charge and submitted to:
a. Financial Services Authority u.p. Regional Office or Financial Services Authority Office covering the area of the Rural Bank's Head Office; or b. Bank Indonesia as referred to in the regulations governing monthly Rural Bank reports with a copy to the Financial Services Authority, in the event that submission of reports via the Financial Services Authority reporting system cannot yet be performed.
In the event of damage to the digital disk (compact disk) or other electronic data recording media that has been received offline by the Financial Services Authority or Bank Indonesia in the event that submission of reports via the Financial Services Authority reporting system cannot yet be performed, the reporting Rural Bank must resubmit the digital disk (compact disk) or other electronic data recording media upon request by the Financial Services Authority or Bank Indonesia.
If the 14th or 20th falls on a holiday, Rural Banks submitting Maximum Credit Granting Limit reports and/or corrections to Maximum Credit Granting Limit reports offline must submit the Maximum Credit Granting Limit reports and/or corrections to Maximum Credit Granting Limit reports on the preceding working day.
Holidays related to the submission of Maximum Credit Granting Limit reports and/or corrections to Maximum Credit Granting Limit reports as referred to in item 8 offline are Saturdays, Sundays, or holidays established by the Government.

VI. FORMAT AND PROCEDURES FOR DRAFTING MAXIMUM CREDIT GRANTING LIMIT REPORTS AND/OR CORRECTIONS TO MAXIMUM CREDIT GRANTING LIMIT REPORTS

The format and procedures for drafting Maximum Credit Granting Limit reports and/or corrections to Maximum Credit Granting Limit reports refer to Appendix I regarding Guidelines for Drafting Maximum Credit Granting Limit Reports for Rural Banks, which is an integral part of this Financial Services Authority Circular.
The operating procedures for the Maximum Credit Granting Limit reports and/or corrections to Maximum Credit Granting Limit reports application are regulated in Appendix II regarding Technical Instructions for the Data Entry Application for Maximum Credit Granting Limit Reports for Rural Banks and Appendix III regarding Technical Instructions for the Web Application for Maximum Credit Granting Limit Reports for Rural Banks, which are integral parts of this Financial Services Authority Circular.

VII. FACILITIES AND PREPARATIONS FOR REPORTING
In order to draft and submit Maximum Credit Granting Limit reports and/or corrections to Maximum Credit Granting Limit reports, Rural Banks need to prepare and provide the following facilities:

Computers meeting the minimum hardware and software configurations as referred to in Appendix 2 regarding Technical Instructions for the Data Entry Application for Maximum Credit Granting Limit Reports for Rural Banks and Appendix 3 regarding Technical Instructions for the Web Application for Maximum Credit Granting Limit Reports for Rural Banks.
Rural Banks must appoint:
a. Assigned employees (operators) to operate the application and verify Maximum Credit Granting Limit reports and/or corrections to Maximum Credit Granting Limit reports. b. Officials or employees of the Rural Bank responsible (person in charge) to perform re-verification to ensure the accuracy of Maximum Credit Granting Limit reports and/or corrections to Maximum Credit Granting Limit reports and to submit the Maximum Credit Granting Limit reports and/or corrections to Maximum Credit Granting Limit reports to the Financial Services Authority.
The names of the operators and persons in charge as referred to in item 2, including in the event of changes, must be submitted to:
a. Financial Services Authority u.p. Regional Office or Financial Services Authority Office covering the area of the Rural Bank's Head Office; or b. Bank Indonesia as referred to in the regulations governing monthly Rural Bank reports with a copy to the Financial Services Authority, in the event that submission of reports via the Financial Services Authority reporting system cannot yet be performed.
Rural Banks must draft written guidelines regarding the system and procedures for drafting and submitting Maximum Credit Granting Limit reports and/or corrections to Maximum Credit Granting Limit reports, referring to Appendix 1 regarding Guidelines for Drafting Maximum Credit Granting Limit Reports for Rural Banks, Appendix 2 regarding Technical Instructions for the Data Entry Application for Maximum Credit Granting Limit Reports for Rural Banks, and Appendix 3 regarding Technical Instructions for the Web Application for Maximum Credit Granting Limit Reports for Rural Banks, which are integral parts of this Financial Services Authority Circular.
Rural Banks must have:
a. adequate security systems for computer facilities, applications, and Maximum Credit Granting Limit reports and/or corrections to Maximum Credit Granting Limit reports data; and b. backup of Maximum Credit Granting Limit reports and/or corrections to Maximum Credit Granting Limit reports data that is well managed.

VIII. REPORT SUBMISSION ADDRESSES

Maximum Credit Granting Limit reports and/or corrections to Maximum Credit Granting Limit reports are submitted to the Financial Services Authority:
a. Online via the Financial Services Authority reporting system in accordance with the format and regulations established by the Financial Services Authority; or b. Online via the Rural Banks Periodic Reports application as regulated in the regulations governing monthly Rural Bank reports, in the event that submission of reports via the Financial Services Authority reporting system as referred to in letter a cannot yet be performed.
Reporting Rural Banks located in areas that do not yet have extranet network facilities or are experiencing force majeure conditions must submit reports offline to:
a. Financial Services Authority u.p. Regional Office or Financial Services Authority Office covering the area of the Rural Bank's Head Office; or b. Bank Indonesia as referred to in the regulations governing monthly Rural Bank reports with a copy to the Financial Services Authority, in the event that submission of reports via the Financial Services Authority reporting system cannot yet be performed.
In the event of problems or disruptions to the extranet network, reporting Rural Banks must submit Maximum Credit Granting Limit reports and/or corrections to Maximum Credit Granting Limit reports offline to:
a. Financial Services Authority u.p. Regional Office or Financial Services Authority Office covering the area of the Rural Bank's Head Office; or b. Bank Indonesia as referred to in the regulations governing monthly Rural Bank reports with a copy to the Financial Services Authority, in the event that submission of reports via the Financial Services Authority reporting system cannot yet be performed.
Submission of the names of operators, persons in charge, and telephone numbers used to submit Maximum Credit Granting Limit reports and/or corrections to Maximum Credit Granting Limit reports, as well as changes to such names and telephone numbers, is directed to:
a. Financial Services Authority u.p. Regional Office or Financial Services Authority Office covering the area of the Rural Bank's Head Office; or b. Bank Indonesia as referred to in the regulations governing monthly Rural Bank reports with a copy to the Financial Services Authority, in the event that submission of reports via the Financial Services Authority reporting system cannot yet be performed.

IX. PROCEDURES FOR PAYMENT OF ADMINISTRATIVE SANCTIONS IN THE FORM OF FINES
Payment of administrative sanctions in the form of fines as referred to in Article 28 of the POJK on Maximum Credit Granting Limit for Rural Banks refers to the Financial Services Authority Regulation regarding procedures for collecting administrative sanctions in the form of fines in the financial services sector. In the event that online submission via the Financial Services Authority reporting system cannot yet be performed, payment of administrative sanctions in the form of fines as referred to in Article 28 paragraph (4) and Article 28 paragraph (5) of the POJK on Maximum Credit Granting Limit for Rural Banks refers to the regulations governing monthly Rural Bank reports.

This copy is in accordance with the original
Legal Director 1
Legal Department signed
Yuliana

X. CLOSING
Upon the entry into force of this Financial Services Authority Circular, Bank Indonesia Circular Number 11/21/DKBU regarding Maximum Credit Granting Limit for Rural Banks is revoked and declared invalid. The provisions in this Financial Services Authority Circular shall enter into force on the date of establishment. Established in Jakarta on 19 July 2017 EXECUTIVE HEAD OF BANKING SUPERVISOR FINANCIAL SERVICES AUTHORITY, signed NELSON TAMPUBOLON

APPENDIX I
FINANCIAL SERVICES AUTHORITY CIRCULAR
NUMBER 41 /SEOJK.03/2017
REGARDING
MAXIMUM CREDIT GRANTING LIMIT
FOR RURAL BANKS

GUIDELINES FOR DRAFTING
MAXIMUM CREDIT GRANTING LIMIT REPORTS
FOR RURAL BANKS

TABLE OF CONTENTS
CHAPTER I : GENERAL EXPLANATION 3
CHAPTER II : MAXIMUM CREDIT GRANTING LIMIT REPORTS 5
A. RELATED PARTY FUNDING PROVISION REPORTS

Format of Related Party Funding Provision Report
Explanation of Related Party Funding Provision Report
B. NON-RELATED PARTY MAXIMUM CREDIT GRANTING LIMIT VIOLATION REPORTS
Format of Non-Related Party Maximum Credit Granting Limit Violation Report
Explanation of Non-Related Party Maximum Credit Granting Limit Violation Report
C. MAXIMUM CREDIT GRANTING LIMIT EXCEEDANCE REPORTS 16
Format of Maximum Credit Granting Limit Exceedance Report 16
Explanation of Maximum Credit Granting Limit Exceedance Report

CHAPTER I
GENERAL EXPLANATION

Reporting Objectives
Maximum Credit Granting Limit reports by Rural Banks drafted according to this guideline are intended for the purposes of:
a. Monitoring the implementation of prudential principles in Funding Provision. b. Assessing the health level of Rural Banks.
c. Guidance and supervision of Rural Banks on an individual basis.
To achieve these objectives, Maximum Credit Granting Limit reports must be filled out correctly and completely and submitted on time, referring to the applicable guidelines.
Reporting Rural Banks
The reporting Rural Bank is the Head Office of the Rural Bank.
Types of Reports
a. Related Party Funding Provision Reports. b. Non-Related Party Maximum Credit Granting Limit Violation Reports.
c. Maximum Credit Granting Limit Exceedance Reports.
Reporting Period
Maximum Credit Granting Limit reports are submitted monthly to the Financial Services Authority.
Method of Filling Out Reports
The reporting Rural Bank fills out data in the data entry form available in the Rural Bank Maximum Credit Granting Limit Report Data Entry Application. Nominal figures reported are in thousands of rupiah; figures less than Rp500.00 (five hundred rupiah) are rounded to 0 (zero) and figures of Rp500.00 (five hundred rupiah) or more are rounded to 1 (one). In the forms according to the type of report, the Rural Bank code, Rural Bank name, address, reporting month, Minimum Capital Provision Requirement Capital (KPMM), Maximum Credit Granting Limit for Related Parties, Non-Related Party individuals, and Non-Related Party Borrower Groups have been provided.
Others
In the event that there is Funding Provision to Related Parties that exceeds the Maximum Credit Granting Limit, such Funding Provision is reported in the Maximum Credit Granting Limit Exceedance Report form and in the Related Party Funding Provision form. The amount of Related Party exceedance becomes a reducing factor in the calculation of the Maximum Credit Granting Limit for Related Parties.

CHAPTER II
MAXIMUM CREDIT GRANTING LIMIT REPORTS

A. RELATED PARTY FUNDING PROVISION REPORTS

Format of Related Party Funding Provision Report
in thousands of rupiah
Name :
MODAL KPMM :
Address :
Maximum Credit Granting Limit :
Reporting Month :
RELATED PARTIES (10%) :
NO
BORROWER/BANK NAME
RELATIONSHIP
WITH THE RURAL BANK
AT THE TIME OF FUNDING PROVISION/REALIZATION
LIQUID COLLATERAL / PART GUARANTEED
QUALITY
INFORMATION
DATE OF FUNDING PROVISION / DEBIT BALANCE
FUNDING PROVISION / NET DEBIT BALANCE
I. TOTAL NET FUNDING PROVISION
Maximum Credit Granting Limit Violation .....%
II. TOTAL FUNDING PROVISION EXCEEDING MAXIMUM CREDIT GRANTING LIMIT*)
TOTAL FUNDING PROVISION CALCULATED IN MAXIMUM CREDIT GRANTING LIMIT CALCULATION (I – II) NOMINAL MAXIMUM CREDIT GRANTING LIMIT VIOLATION *) Must be the same as the total related party Maximum Credit Granting Limit exceedance found in the Maximum Credit Granting Limit Exceedance Report form Information submitted is in accordance with reality. If any data inconsistency is found later, all risks arising from the submission of such data are our responsibility.
Explanation of Related Party Funding Provision Report
a. KPMM Capital
The term KPMM Capital refers to the sum of Core Capital plus Supplementary Capital as regulated in the Financial Services Authority Regulation regarding minimum capital provision requirements and fulfillment of minimum core capital for Rural Banks as of the end of the month prior to the reporting month. b. Maximum Credit Granting Limit (BMPK) Maximum Credit Granting Limit is the maximum percentage of Funding Provision realization permitted against Rural Bank Capital. The Maximum Credit Granting Limit for Related Parties is 10% of KPMM Capital.
c. Borrower/Bank Name

Borrower Name is the name of the individual or corporate/legal entity Related Party customer obtaining Credit facilities according to the name stated in the Credit Agreement.
Bank Name is the name of the Related Party Rural Bank receiving Interbank Fund Placement from the reporting Rural Bank.
Filled with nil if there is no Funding Provision to Related Parties. d. Relationship with the Rural Bank Relationship with the Rural Bank is the relationship between the Borrower or bank receiving Interbank Fund Placement from the reporting Rural Bank and the reporting Rural Bank, in accordance with Article 7 of the POJK on Maximum Credit Granting Limit for Rural Banks and its explanation. Related Party data is filled out concisely and clearly. Example:
Credit to a shareholder owning 15% of Paid-up Capital, this column is filled with "Shareholder 15%". e. Date Date is the date of Credit disbursement or Funding Provision filled with the date/month/year format (DD/MM/YYYY). The method for filling out dates is as follows:
Current account Credit, the date is filled with the date of the highest debit balance during the reporting month. If there is no Current account Credit mutation during the reporting period, the date is filled with the date of the highest debit balance during the previous month.
Credit with single disbursement, the date is filled with the date of disbursement.
Credit with phased disbursement, the date is filled with the date of the last withdrawal up to the reporting month.
Interbank Fund Placement in the form of deposits, the date is filled with the date of issuance of the deposit receipt.
Interbank Fund Placement in the form of savings, the date is filled with the date of the highest balance during the reporting month.
f. Funding Provision / Debit Balance
Funding Provision / Debit Balance is filled out as follows:
Interbank Fund Placement in the form of deposits is filled with the deposit nominal amount as stated in the deposit receipt.
Interbank Fund Placement in the form of savings is filled with the highest savings balance during the reporting month.
Interbank Fund Placement in the form of Credit or Credit granted is filled with the debit balance with the following details:
a) Current account Credit, debit balance is filled with the highest debit balance during the reporting month. b) Credit with single disbursement, debit balance is filled with the debit balance at the time of disbursement. c) Credit with phased disbursement, debit balance is filled with the debit balance up to the last withdrawal during the reporting month. d) Installment Credit, debit balance for the first month is filled with the disbursement value, debit balance for subsequent months is filled with the end-of-reporting-month debit balance. g. Liquid Collateral / Part Guaranteed Liquid collateral is collateral that is easily liquidated such as gold and precious metals, Treasury Bills (SBI), savings, and deposits at the relevant Rural Bank that are blocked and accompanied by a withdrawal power of attorney. For the value of collateral in the form of:
Savings and deposits, filled with the blocked value.
Treasury Bills (SBI), filled with the nominal value.
Gold and precious metals, filled with the market value.
The Part Guaranteed is filled with the value of the portion of Funding Provision guaranteed directly by the Indonesian Government or through State-Owned Enterprises (BUMN) or Regional-Owned Enterprises (BUMD) as referred to in the POJK on Maximum Credit Granting Limit for Rural Banks. h. Funding Provision / Net Debit Balance Funding Provision / Net Debit Balance is the result of the systematic subtraction between the Funding Provision / Debit Balance column (letter f) and the Liquid Collateral / Part Guaranteed column (letter g).
i. Quality
Quality is the quality of Credit and Interbank Fund Placement as regulated in the regulations governing the quality of productive assets and the formation of provisions for asset write-offs for Rural Banks. j. Information Information is the explanation by the reporting Rural Bank which at least contains the type of Funding Provision, for example, deposit no. receipt XXX, savings no. account XXX, Credit no. agreement XXX. k. Total Net Funding Provision Total Net Funding Provision is the sum of all Net Funding Provision to Related Parties.
l. Total Funding Provision Exceeding Maximum Credit Granting Limit
Total Funding Provision Exceeding Maximum Credit Granting Limit is the sum of all Related Party Funding Provision that exceeds the Maximum Credit Granting Limit. This amount must be the same as the Related Party Maximum Credit Granting Limit Exceedance on the Maximum Credit Granting Limit Exceedance Report form. m. Total Funding Provision Calculated in Maximum Credit Granting Limit Calculation Total Funding Provision Calculated in Maximum Credit Granting Limit Calculation is the result of subtracting Total Net Funding Provision (letter k) from Total Funding Provision Exceeding Maximum Credit Granting Limit (letter l). n. Nominal Maximum Credit Granting Limit Violation (Rp) Nominal Maximum Credit Granting Limit Violation is the excess difference between Total Funding Provision Calculated in Maximum Credit Granting Limit Calculation (letter m) and the nominal Maximum Credit Granting Limit for Related Parties. o. Percentage of Maximum Credit Granting Limit Violation (%) Percentage of Maximum Credit Granting Limit Violation is the percentage comparison between Maximum Credit Granting Limit Violation (letter n) and KPMM Capital.

B. NON-RELATED PARTY MAXIMUM CREDIT GRANTING LIMIT VIOLATION REPORTS

Format of Non-Related Party Maximum Credit Granting Limit Violation Report
in thousands of rupiah
Name :
MODAL KPMM :
Address :
Maximum Credit Granting Limit :
Reporting Month :

NON-RELATED PARTIES (20%) :
NON-RELATED BORROWER GROUPS (30%) :
NO
BORROWER / BANK NAME
AT THE TIME OF FUNDING PROVISION / MAXIMUM CREDIT GRANTING LIMIT VIOLATION PERCENTAGE OF MAXIMUM CREDIT GRANTING LIMIT VIOLATION QUALITY INFORMATION DATE OF FUNDING PROVISION / DEBIT BALANCE LIQUID COLLATERAL / PART GUARANTEED FUNDING PROVISION / NET DEBIT BALANCE Information submitted is in accordance with reality. If any data inconsistency is found later, all risks arising from the submission of such data are our responsibility.

Explanation of Non-Related Party Maximum Credit Granting Limit Violation Report
a. KPMM Capital
KPMM Capital is the sum of Core Capital plus Supplementary Capital as regulated in the Financial Services Authority Regulation regarding minimum capital provision requirements and fulfillment of minimum core capital for Rural Banks as of the end of the month prior to the reporting month. b. Maximum Credit Granting Limit (BMPK) Maximum Credit Granting Limit is the maximum percentage of Funding Provision realization permitted against Rural Bank Capital, regulated as follows:

Maximum Credit Granting Limit for Non-Related Party individuals is 20% (twenty percent) of KPMM Capital.
Maximum Credit Granting Limit for Non-Related Party Borrower Groups is 30% (thirty percent) of KPMM Capital.
Maximum Credit Granting Limit for Interbank Fund Placement at other Non-Related Party Rural Banks is 20% (twenty percent) of KPMM Capital.
c. Borrower/Bank Name
Borrower Name is the name of the individual, corporate, or legal entity Non-Related Party customer obtaining Credit facilities according to the name stated in the Credit Agreement. In the event that the Borrower is a member of a Borrower Group, data entry must determine the relevant Borrower Group in accordance with Appendix 2 Technical Instructions for the Data Entry Application for Maximum Credit Granting Limit Reports for Rural Banks.
Bank Name is the name of the Non-Related Party Rural Bank receiving Interbank Fund Placement from the reporting Rural Bank.
In the event of Borrower Groups, Borrower/Bank names are reported as follows:
a) In the event of a Non-Related Party Borrower Group Maximum Credit Granting Limit Violation but no individual violation

Violations of BMPK, which are reported, are the group of Borrowers who violate BMPK. b) In the event that there is an individual BMPK Violation but there is no group Borrower BMPK Violation, the individual who violates BMPK is reported. c) In the event that there is an individual BMPK Violation and a group Borrower BMPK, the individual and group Borrowers who violate BMPK are reported.
4) Fill with zero if there is no BMPK Violation to Unrelated Parties.
d. Date
Date is the date of disbursement of Credit or Provision of Funds, filled with the date format/month/year (DD/MM/YYYY). The method of filling in the date is filled with the date the Provision of Funds first violated BMPK. e. Provision of Funds/Debit Balance Provision of Funds/debit balance is filled as follows:

Interbank Fund Placement in the form of deposits is filled with the deposit nominal amount as stated in the deposit slip.
Interbank Fund Placement in the form of savings is filled with the highest savings balance in the reporting month.
Interbank Fund Placement in the form of credit or credit granted is filled with the debit balance with the following details:
a) Current account credit, debit balance is filled with the highest debit balance in the reporting month. b) Credit with lump-sum disbursement, debit balance is filled with the debit balance at the time of disbursement. c) Credit with phased disbursement, debit balance is filled with the debit balance up to the last withdrawal in the reporting month. d) Credit with installments, the debit balance of the first month is filled with the disbursement value, the debit balance of the following months is filled with the end-of-month debit balance of the reporting month. f. Liquid Collateral/Secured Portion Liquid collateral is collateral that is easily liquidated such as gold and precious metals, SBI, savings, and deposits at the relevant BPR that are blocked and accompanied by a disbursement power of attorney. For the value of collateral in the form of:
Savings and deposits, filled with the blocked value.
SBI, filled with the nominal value.
Gold and precious metals, filled with the market value.
The secured portion is filled with the value of the portion of Provision of Funds guaranteed by the Indonesian Government directly or through SOEs or Local Government-Owned Enterprises as referred to in the POJK BMPK BPR. g. Provision of Funds/Net Debit Balance Provision of Funds/net debit balance is the result of systematic subtraction between the Provision of Funds/debit balance column in letter e with the liquid collateral/secured portion column in letter f. h. Quality Quality is the quality of Credit and Interbank Fund Placement as referred to in regulations governing the quality of productive assets and the formation of provisions for write-off of productive assets of BPR.
i. Nominal BMPK Violation (Rp)
BMPK Violation is the excess difference between the debit balance and/or Interbank Fund Placement at other BPRs against the BMPK nominal. j. Percentage of BMPK Violation (%) Percentage of BMPK Violation is the percentage comparison between the total BMPK Violation against the total KPMM Capital. k. Notes Notes are explanations from the reporting BPR that at least contain the type of Provision of Funds, for example, deposit no. slip XXX, savings no. account XXX, Credit no. contract XXX.

C. BMPK EXCEEDANCE REPORT

BMPK Exceedance Report Format
(in thousands of rupiah)
Name : KPMM CAPITAL :
Address : BMPK :
Reporting Month : - RELATED PARTIES (10%) :

UNRELATED PARTIES (20%) :
UNRELATED BORROWER GROUPS (30%) :
NO
NAME
BORROWER/
BANK
RELATEDNESS
AT THE TIME OF BMPK EXCEEDANCE REPORT
PROVISION OF
FUNDS/DEBIT
BALANCE
QUALITY
NOTES
LIQUID
COLLATERAL/SECURED
PORTION
PROVISION OF
FUNDS/DEBIT
BALANCE NETO
(Rp) %
26 • Related
Unrelated
Individual
Unrelated
Group
The information provided is in accordance with what is true. If later on data inconsistencies are found, all risks arising from the submission of such data become our responsibility.

Explanation of BMPK Exceedance Report
a. Borrower/Bank Name

Borrower Name is the name of an individual customer or company/body that obtains Credit facilities according to the name stated in the Credit agreement. In the event that the Borrower is a group of Borrowers, at the time of data entry, it is filled with the name of the relevant Borrower group.
For Related Parties, it is filled with the total amount of Related Party debtors/banks that exceed BMPK.
Bank Name is the name of the BPR that receives Interbank Fund Placement from the reporting BPR.
In the event that there are more than 25 Borrowers/Banks that exceed BMPK, the filling for the BMPK Exceedance Report is as follows:
a) Rows 1 to 25 are filled with 25 Borrowers/Banks based on the highest BMPK Exceedance. b) Row 26 is filled with the number of Related Party accounts that exceed BMPK if the order of Related Party exceedances is after the top 25 BMPK Exceedances. c) Row 27 is filled with the number of individual Unrelated Party Borrower accounts that exceed BMPK. d) Row 28 is filled with the number of Unrelated Party group Borrower accounts that exceed BMPK.
Fill with zero if there is no BMPK Exceedance.
b. Relatedness
Filled with the relationship of the Borrower/Bank with the reporting BPR, i.e., "Related" or "Unrelated".

c. Provision of Funds/Debit Balance
Provision of Funds/debit balance is filled with the debit balance/balance/nominal of the Provision of Funds that exceeds BMPK at the end of the reporting month. In the event that there are more than 25 Borrowers/Banks that exceed BMPK, the filling for the BMPK Exceedance Report is as follows:

Rows 1 to 25 are filled with the debit balance/balance/nominal of Provision of Funds to 25 Borrowers/Banks based on the highest BMPK Exceedance.
Row 26 is filled with the total amount of Related Party Provision of Funds that exceed BMPK if the order of Related Party exceedances is after the top 25 BMPK Exceedances.
Row 27 is filled with the total amount of Provision of Funds to other individual Unrelated Party Borrowers that exceed BMPK.
Row 28 is filled with the total amount of Provision of Funds to other Unrelated Party group Borrowers that exceed BMPK.
d. Liquid Collateral/Secured Portion
Liquid collateral is collateral that is easily liquidated such as gold and precious metals, SBI, savings, and deposits at the relevant BPR that are blocked and accompanied by a disbursement power of attorney. For the value of collateral in the form of:
Savings and deposits, filled with the blocked value.
SBI, filled with the nominal value.
Gold and precious metals, filled with the market value.
The secured portion is filled with the value of the portion of Provision of Funds guaranteed by the Indonesian Government directly or through SOEs or Local Government-Owned Enterprises as referred to in the POJK BMPK BPR.

Collateral is reported per individual/group of Borrowers with a maximum collateral value equal to the debit balance per account. In the event that there are more than 25 Borrowers/Banks that exceed BMPK, the filling for the BMPK Exceedance Report is as follows:

Rows 1 to 25 are filled with the collateral value of 25 Borrowers/Banks based on the highest BMPK Exceedance.
Row 26 is filled with the collateral value of the total amount of Related Party Provision of Funds that exceed BMPK if the order of Related Party exceedances is after the top 25 BMPK Exceedances.
Row 27 is filled with the collateral value of the total amount of Provision of Funds to other individual Unrelated Party Borrowers that exceed BMPK.
Row 28 is filled with the collateral value of the total amount of Provision of Funds to other Unrelated Party group Borrowers that exceed BMPK.
e. Provision of Funds/Net Debit Balance
It is the result of subtraction between the Provision of Funds/debit balance column as referred to in letter c with the liquid/secured collateral column as referred to in letter d. f. Nominal BMPK Exceedance (Rp) BMPK Exceedance (Rp) is the excess difference between the Provision of Funds/net debit balance as referred to in letter e with the permitted BMPK. g. Percentage of BMPK Exceedance (%) BMPK Exceedance (%) is the percentage comparison between the total BMPK Exceedance (Rp) in letter f against the total KPMM Capital. h. Quality Quality is the quality of Credit and Interbank Fund Placement as referred to in regulations governing

This copy is in accordance with the original
Legal Director 1
Legal Department signed
Yuliana regarding the quality of productive assets and the formation of provisions for write-off of productive assets of BPR.
In the event that one individual/group of Borrowers receives more than one facility, the quality is filled with the dominant quality and in the event that there is more than one dominant quality, it is filled with the worst quality among the dominant ones.
i. Notes
Notes are explanations from the reporting BPR that at least contain the type of Provision of Funds, for example, deposit no. slip XXX, savings no. account XXX, Credit no. contract XXX. In the event that the type of Provision of Funds is the result of merging more than 1 (one) account, the notes do not need to be filled. Established in Jakarta on July 19, 2017 EXECUTIVE HEAD OF BANKING SUPERVISOR FINANCIAL SERVICES AUTHORITY, signed NELSON TAMPUBOLON

APPENDIX II
CIRCULAR LETTER OF THE FINANCIAL SERVICES AUTHORITY NUMBER 41 /SEOJK.03/2017 ABOUT MAXIMUM CREDIT GRANTING LIMITS RURAL BANKS

TECHNICAL GUIDELINES FOR DATA ENTRY APPLICATION OF MAXIMUM CREDIT GRANTING LIMITS FOR RURAL BANKS

CHAPTER I
INTRODUCTION
The periodic reporting application for BPR consists of:
a. Data entry application, which is the application used by each BPR to perform data entry of periodic reports. b. BPR web application is the application used by reporting BPRs to send reports to the periodic reporting database at Bank Indonesia. This Technical Guideline is a guide for using the BPR data entry program application as a means of submitting periodic reports. In this technical guideline, specifications for hardware and software used, the process of installing the periodic report data entry program, data initialization, data entry, printing data, utilities, and user authority are described.

Minimum Software and Hardware Configuration
The minimum software and hardware configuration that must be met to run the periodic report data entry application is as follows:
a. Software configuration:
Operating system: Microsoft Windows XP and Vista. b. Hardware configuration:
RAM: 256 MB
Harddisk: 10 GB
Monitor: SVGA 1024 x 768 pixel
CD-ROM Drive.
Mouse, Keyboard.
General Explanation
Activating the BPR program application:
a. Ensure that the computer has had the BPR program application installed (setup). b. To call the BPR program from Start Menu - Program - BPR.

A. SYSTEM MENU STRUCTURE
Broadly speaking, the changes made to the latest version of the BPR periodic reporting application are as follows:

Changes to the report menu structure, adjusted to the reporting period, i.e., 1 Monthly, 3 Monthly, 6 Monthly, and 1 Yearly.
Addition of BMPK reports.
Initialization, data entry, reports, validation, send file, export, import, backup, and restore data processes are displayed in each Periodic Report menu.
B. INPUTS AND OUTPUTS
The input and output menu structure in the BPR periodic reporting application is grouped according to the reporting period, i.e., 1 monthly and 3 monthly.
1 Monthly Reports:
a. Monthly Report
Inputs required in the monthly report module are in accordance with regulations governing BPR monthly reports. b. BMPK Report Inputs required in the BMPK Report module are as follows:

BMPK Report.
Debtor Groups/Borrower Groups.
Outputs generated in this BMPK report are as follows:
Related Party Fund Provision Report.
Unrelated Party BMPK Violation Report.
BMPK Exceedance Report.

3 Monthly Reports:
Publication Report
Inputs required in the publication report module are in accordance with POJK TKK BPR.

CHAPTER II
INSTALLATION
There are 2 ways to install the periodic reporting application version 03.02 as follows:
a. On computers that already have the monthly reporting application version 02.02 installed. b. On computers that do not yet have the monthly reporting application. A. ON COMPUTERS THAT ALREADY HAVE MONTHLY REPORTING APPLICATION VERSION 02.02 INSTALLED For BPRs that have been using the monthly reporting application version 02.02, before upgrading to the latest version (03.02), the following steps must be taken first:

Data Backup
Before upgrading to the latest version, the administrator must perform a data backup first. The steps to perform a data backup are as follows:
a. Login as Administrator. b. Select Utility then click Backup.
c. Click the Process button.
d. Backup process complete. Click the OK button. e. The backup file will be saved in the folder stated in the menu. f. Click the exit button.
Uninstall Existing Application
After completing the data backup, perform the uninstall process of the existing program. a. Click Start Menu-Program-Control Panel. b. From the Control Panel menu, click Add/Remove Program.
c. The Add or Remove Programs Window appears. Select the BPR program then click the Change/Remove button.
d. Click Yes. e. Click Remove All. f. Click OK.
Installation of Application Version 03.02
After completing the uninstallation of the program as in number 2 above, the next step is to install the application version 03.02 with the following steps:
a. Insert the BPR data entry application installation CD. b. In Windows, activate the Windows Explorer menu.
c. Select the Drive for the CD (e.g., Drive D).
d. Double-click the Setup.Exe file, for Vista right-click on the Setup.exe file and select Run as Administrator. e. Click OK. f. Click the computer image to perform the installation process, if you want to change the BPR system storage address, click Change Directory, in the Path specify the BPR system directory address to be saved.

g. In Existing Group, select BPR. h. Click Continue.
i. Click OK.
j. The installation result will form the BPR menu Note: The installation process result will also automatically create a BPR shortcut menu on the desktop. k. After completing the installation, regional settings must be noted. The regional settings are in Control Panel then double-click Regional And Language Options.

l. After double-clicking, the following form will appear
Then select English (United States). After selection, click OK.
4. Restoring Data That Has Been Backed Up
After completing the installation of application version 03.02 as in number 3 above, the next step is to perform the restore process of the data that was backed up in number 1 above. The steps are as follows:
a. Login as Administrator.

b. Click the 1 Monthly menu, select Restore.
c. Click the Browse button.
d. Select the file that was backed up in the same directory folder as when we finished backing up. Then click the Open button. Click the Restore button.

e. Click the Yes button. f. Restore process complete. Click the OK button.
B. ON COMPUTERS THAT DO NOT YET HAVE THE MONTHLY REPORTING APPLICATION For BPRs that are new to using the BPR periodic reporting application, the following are the steps to be taken to install the latest version 03.02 application on the CD.

Insert the CD, install the BPR data entry application.
In Windows, activate the Windows Explorer menu.
Select the Drive for the CD (e.g., Drive D).
Double-click the Setup.Exe file, for Vista right-click on the Setup.exe file and select Run as Administrator.
Click OK.
Click the computer image to perform the installation process, if you want to change the BPR system storage address, click Change Directory, in the Path specify the BPR system directory address to be saved.
In Existing Group, select BPR.
Click Continue.
Click OK.
The installation result will form the BPR menu.
Note: The installation process result will also automatically create a BPR shortcut menu on the desktop.

CHAPTER III
TECHNICAL GUIDELINES
A. USING THE PERIODIC REPORTING APPLICATION FOR THE FIRST TIME After the installation process, enter the BPR program as follows:
a. Click Start. b. Click Programs.
c. Click BPR.
d. Click BPR (for those using Vista, right-click on BPR and select Run as Administrator).

Master Data Initialization
When running the program for the first time, the Bank Master Data Initialization form will appear and data entry will be performed. After entering data according to the BPR, click OK to save the data to the database. After clicking OK, the Director information form and data entry will appear.
Login to System
After the bank master data is finished being input, the form for the first login will appear.
When we login for the first time, the user ID we input is as Admin. The steps are as follows:
a. Input Field.

User ID: Administrator
Password: admin!!!
b. Click OK.
The active items in the main menu are according to the user's authorization.
Because the first login is as an administrator, the active items in the main menu display are according to its access.
Note: Users are expected to change the administrator password.

Creation of User Authority
This module is intended to manage the BPR program application as a whole. In this module, there are 2 types of authority, namely administrator and user. Administrators can manage user access and users as executors. The access rights/user authority for this data entry program application are divided into 2, namely:
a. Admin, its access rights are:

1 Monthly:
a) Initialization b) Reports c) Data validation d) Send file e) Export f) Import Password and BPR Name Reporting Period Active User Version

g) Backup h) Restore
2) 3 Monthly:
a) Initialization b) Data validation c) Send file
3) Utility:
a) Bank information (update bank data information) b) Director & Commissioner information c) Reference table (validation and replace reference table)
4) Authority:
a) Change password b) User authority b. User, its access rights are:

1 Monthly:
a) Data entry b) Reports c) Data validation d) Send file e) Export f) Import
3 Monthly:
a) Data entry b) Data validation c) Send file
Authority:
Change password
The steps for creating a new user are as follows:
a. Click Authority in the main menu. b. Click User Authority.
This sub-module functions to perform the creation/addition and deletion of user IDs in the BPR program application. From this module, it can also be determined who has the right to perform a process in this system.

The steps are as follows:
a. Click the Add button b. Enter data, items to be input are as follows:

User ID: filled with at least 6 characters.
User ID Name
Password: filled with at least 8 characters
and contains at least 1 special character ( “!@#$%^&*()” ).
Confirm Password: filled in accordance with
the Password input.
Authority: Clicked for the desired user level
(Admin or
User).
c. Click the Save button.
d. To delete data, click the navigation button located at the bottom left or right, select the data to be deleted, click the Delete button.

Changing Password
This sub-module functions to change the password of the user ID, it is also intended for user password maintenance so that unauthorized users cannot operate this system. The steps to change the password are as follows:
a. Click Authority in the main menu. b. Click Change Password.

c. Enter Old Password and New Password, and retype New Password in Confirm Password.
d. Click OK, data will be saved. e. Click the Exit button, to exit the Change Password menu.
5. Report Data Initialization
This module functions to provide the month and year data period for each report to be input.
After a new user is created, we enter the data initialization module. a. Monthly Report Initialization Steps for monthly report initialization:

In the main menu, click 1 Monthly – Monthly Report – Initialization.
Select Initialization Type:
a) In Initialization of All, the forms in the monthly report are deleted entirely so that what remains are empty forms ready to be input.

b) For Partial Initialization, only the forms in the monthly report have their data deleted, while other forms are not deleted.
3) Input field month with format (MM).
4) Input field year with format (YYYY).
5) Select Initialization Type (All or Partial).
6) Click Initialize.
b. BMPK Report Initialization
Steps for BMPK report initialization:

In the main menu, click 1 Monthly – BMPK Report – Initialization.
Select Initialization Type:
a) In Initialization of All, the BMPK forms have their data deleted entirely so that what remains are empty forms ready to be input.

b) For Partial Initialization, the BMPK forms do not have their data deleted, only the month and year of the report are set with the new ones.
3) Input field Reporting Month.
4) Input field Reporting Year with format YYYY.
5) Initialization Type (All or Partial).
6) Click Initialize.
c. Publication Report Initialization
Steps for publication report initialization:

In the main menu, click 3 Monthly – Initialization.
Input field Quarter with Roman numeral format.
Input field Reporting Year with format YYYY.
Initialization Type (Partial) default.
Click Initialize.
After data initialization is performed, the next process is the data entry process, this process can only be performed with a user login, so from the administrator menu, a logout must be performed first, to subsequently login again using a user ID that has user authority. To perform login and logout, it is done through the system menu, which will be explained in the next section. B. SYSTEM This module is divided into three options, namely:

Login
Functions to enter the application according to its access rights.
Login as user or login as administrator (Click logout then can perform login).
When the administrator has performed the data initialization process, the authority for data entry is performed by the user according to their access rights. To perform data entry, one must first login as a user. The steps taken are:
a. In the main menu, click System, select Login, then the Login form appears. b. Input User ID (as the user corresponding to the one created during login as administrator).
c. Input Password.
d. Click OK.
The password used for the first time is the password given/created by the administrator in the user authority menu, for subsequent use, the user can change their own password.

The active items in the user's main menu are according to the user's authorization (as explained in the admin main menu).
2. Logout
Functions to exit the main menu and deactivate items in the main menu.
3. Exit
Functions to exit the entry application.

CHAPTER IV
BMPK REPORTS
A. DATA ENTRY
The steps to input BMPK data are as follows:
a. In the main menu, click 1 Monthly – BMPK Report – Data Entry. b. Select BMPK Entry.

Debtor Group Entry
The steps to input debtor group data are as follows:
a. In the main menu, click 1 Monthly – BMPK Report – Data Entry. b. Select Debtor Group Entry.

c. Click the Add button to add Entry data in the Debtor Code and Group Name grid.
d. Click the Save button to save the data. e. Click the Delete button to delete the selected row. f. To update data, click the selected row and update the data directly in that row. Click the Save button to save the updated data. g. To exit the form, click the Exit button.

Provision of Funds to Related Parties
The steps to enter Provision of Funds to Related Parties data are as follows:
a. On the main menu, click 1 Monthly – BMPK Report – Data Entry. b. Select BMPK Entry – Related Parties.
c. The default display is on the Related Parties tab.
d. If the Provision of Funds to Related Parties is Nil, click the "Nil Data" option as shown in the image above. Then, click Save. e. If the Provision of Funds to Related Parties data is not nil, perform the steps in letters f) and onwards. f. Enter KPMM Capital (in thousands of rupiah) and click the Save button. (BMPK Related Parties). g. If there are rows to be deleted, click the Delete button. h. To update data, click the update button or double-click the row to be updated.
i. To search for a Debtor / BPR, you can use the Search Reference No. button.
j. Click the Add button to add data. k. Enter the Debtor / BPR name and determine whether the Debtor is an Individual or a BPR. If it is a BPR, click BPR; if not, do not click it. Once done, click the Save button.

l. After saving, a form will appear.

Input Type of Funds Provision.
a) 1 (Credit) b) 2 (Placement in other banks)
If the Debtor is an Individual, 1 (Credit) will be automatically selected. However, if it is not an Individual but a BPR, you can choose the Type of Funds Provision. For the selected Type of Funds Provision 1 (Credit):
a) Bank Code will be disabled if the Debtor is an Individual, but if it is a BPR, you must fill in the Bank Code even if the Type of Funds Provision is 1 (Credit). b) Relationship:
1 (Related) c) Relationship Connection must be filled in.
If the selected Type of Funds Provision is 2 (Placement in other banks) specifically for BPR Debtors:
a) Bank Code must be filled in. b) Relationship:
1 (Related) c) Relationship Connection must be filled in.
Realization Date in DD/MM/YYYY format.
Debit Balance in thousands of rupiah.
Collateral in thousands of rupiah.
Quality.
Notes.
Click Save to save the data. If you want to add more with the same Debtor name, click the Add button.
To exit this form, press the Exit button.

BMPK Violations for Non-Related Parties
The steps to enter BMPK Violations for Non-Related Parties data are as follows:
a. On the main menu, click 1 Monthly – BMPK Report – Data Entry. b. Select BMPK Entry – Non-Related Parties.
c. The default display is on the Related Parties tab. Click the Non-Related Parties Violations tab.
d. If BMPK Violations for Non-Related Parties are Nil, click the "Nil Data" option as shown in the image above. Then click Save. e. If BMPK Violations for Non-Related Parties data is not nil, perform the steps in letters f) and onwards. f. Enter KPMM Capital (in thousands of rupiah) and click the Save button. (BMPK Non-Related Parties, Borrower Group for Non-Related Parties is calculated automatically). g. If there are rows to be deleted, click the Delete button. h. To update data, click the update button or double-click the row to be updated.
i. Click the Add button to add data.
j. Enter the Debtor / BPR name and determine whether the Debtor is an Individual or a BPR. If it is a BPR, click BPR; if not, do not click it. Once done, click the Save button. k. After saving, a form will appear.

Input Type of Funds Provision.
a) 1 (Credit). b) 2 (Placement in other banks).
If the Debtor is an Individual, 1 (Credit) will be automatically selected. However, if it is not an Individual but a BPR, you can choose the Type of Funds Provision. For the selected Type of Funds Provision 1 (Credit):
a) Bank Code will be disabled. b) Relationship:
2 (Not Related) c) Debtor group can be selected and may be left blank.
If the selected Type of Funds Provision is 2 (Placement in other banks) specifically for BPR Debtors:
a) Bank Code must be filled in. b) Relationship:
2 (Not Related) c) Debtor group can be selected and may be left blank.
Realization Date in DD/MM/YYYY format.
Debit Balance in thousands of rupiah.
Collateral in thousands of rupiah.
Quality.
Notes.
Click Save to save the data. If you want to add more with the same Debtor name, click the Add button.
To exit this form, press the Exit button.

BMPK Exceedance
The steps to enter BMPK Exceedance data are as follows:
a. On the main menu, click 1 Monthly – BMPK Report – Data Entry. b. Select BMPK Entry – Exceedance.
c. The default display is on the Related Parties tab. Click the Exceedance tab.
d. If BMPK Exceedance is Nil, click the "Nil Data" option as shown in the image above. Then click Save. e. If BMPK Exceedance is not nil, perform steps 6 and onwards. f. Enter KPMM Capital (in thousands of rupiah) and click the Save button. (BMPK Related Parties). g. If there are rows to be deleted, click the Delete button. h. To update data, click the update button or double-click the row to be updated.
i. Click the Add button to add data.

Input Type of Funds Provision.
a) 1 (Credit) b) 2 (Placement in other banks)
If the selected Type of Funds Provision is 1 (Credit):
a) Bank Code will be disabled. b) Debtor Name must be filled in. c) Group can be selected if it belongs to a group. d) Relationship:
(1) 1 (Related)
(2) 2 (Not Related) e) Relationship Connection must be filled in.
If the selected Type of Funds Provision is 2 (Placement in other banks):
a) Bank Code must be filled in. b) Debtor Name must be filled in. c) Group can be selected if it belongs to a group. d) Relationship:
i. 1 (Related)
ii. 2 (Not Related)
e) Relationship Connection must be filled in.
Realization Date in DD/MM/YYYY format.
Debit Balance in thousands of rupiah.
Collateral in thousands of rupiah.
Quality.
Notes.
Click Save to save the data, and the form will close.
To exit this form, press the Exit button.

B. REPORTS

Provision of Funds to Related Parties
If the "Nil Data" option is clicked in the Related Parties tab of the BMPK Form, the Provision of Funds to Related Parties Report data will be Nil. The report displayed will state "nil".

If "Nil Data" is not clicked and there is data, the report will be displayed.

BMPK Violations for Non-Related Parties
In the BMPK Violations for Non-Related Parties report, if there is no data or it is nil, it can be displayed as nil data by clicking "Nil Data" in the BMPK form in the Non-Related Parties tab.

The report displayed will state "nil".
If "Nil Data" is not clicked and there is data, the report will be displayed.

BMPK Exceedance
In the BMPK Exceedance report, if there is no data or it is nil, it can be displayed as nil data by clicking "Nil Data" in the BMPK form in the Exceedance tab.

If "Nil Data" is not clicked and there is data, the report will be displayed.
If "Nil Data" is not clicked and there is data, the report will be displayed.

C. VALIDATION
BMPK report validation is performed when all data entry is complete. The instructions for the periodic report validation process are as follows:

Select BMPK Report Data Validation.
Click the Process button to check the data.
After completion, the validation process results will be displayed.
a. If there is data that is not in accordance, it will be displayed in the following report:
b. If the data is in accordance, a form like the following will appear:

D. SEND FILE
If validation is successful (no errors), the file is ready to be sent/uploaded to the web. To create this send file, validation must be performed first, whether logging in as a user or as an admin. The steps to create the send file are as follows:

Perform Validation first. After validation is successful, proceed with the following steps.
On the main menu, click 1 Monthly - BMPK Report.
Select Send File.
Click Process to create the send file.
If successful, a message "Send file creation complete" will appear.
The result of the send file creation will be saved in the folder " .\Data Kirim".
The created file is encrypted and zipped with the extension *.PPK.

E. EXPORT
The Export sub-module functions to save BMPK form data that has been entered in text format (*.exp) which is not encrypted, and can be imported at any time. Export Steps:

On the main menu, click 1 Monthly – BMPK Report.
Select Export.
Click Process to create the export file.
If successful, a message "export complete" will appear, then click OK.
The export result will be saved in the folder " \Data_Export".
The created file has the extension _BMPK.EXP.

F. EXPORT DATA STRUCTURE
In cases where the BPR needs to create an export file that conforms to the data structure, so that the BPR can develop its own application integrated with this application. Example:
Header file
HBMPK9999999 90 0 032 0 0 8 0 10XXXXXXXXXXXXXXXX Description Character Length Value Description 1 1 ‘H’ Code for header row 2 4 ‘BMPK‘ BMPK report type code 6 8 ‘99999999’ Bank Code and BPR Office 14 2 ‘00’ Report Date 16 2 ‘03’ Report Month 18 4 ‘2008’ Report Year 22 8 ‘00000010’ Number of data rows sent 30 16 ‘XXXXXXXXXX’ Report serial number XXXXXX’ (version identification)

BMPK Report Data Rows
a. The first row after the header is Capital Information and BMPK Value, with specifications:

00 [KPMM CAPITAL] [RELATED BMPK] [NON-RELATED BMPK INDIVIDUAL] [NON-RELATED BMPK GROUP] [RELATED NIL] [NON-RELATED NIL] [EXCEEDANCE NIL] 00 Is a code marking the Information row. [KPMM CAPITAL] Contains the KPMM capital value as a 12-digit right-aligned numeric value with zero (0) as a filler for empty data. Example: 000050000000 [RELATED BMPK] Contains the BMPK value for Related Parties (10% of KPMM capital) as a 12-digit right-aligned numeric value with zero (0) as a filler for empty data. Example: 000050000000 [NON-RELATED BMPK-INDIVIDUAL] Contains the BMPK value for Non-Related Individual Parties (20% of KPMM capital) as a 12-digit right-aligned numeric value with zero (0) as a filler for empty data. Example: 000050000000 [NON-RELATED BMPK-GROUP] Contains the BMPK value for Non-Related Group Parties (25% of KPMM capital) as a 12-digit right-aligned numeric value with zero (0) as a filler for empty data. Example: 000050000000 [RELATED NIL] Contains a related nil flag as a 1-digit numeric value. Example:
0 for false
1 for true
[NON-RELATED NIL]
Contains a non-related nil flag as a 1-digit numeric value.
Example:
0 for false
1 for true
[EXCEEDANCE NIL]
Contains an exceedance nil flag as a 1-digit numeric value.
Example:
0 for false
1 for true

b. The next rows contain BMPK violation/exceedance data, with specifications:
[REPORT CODE] [ROW CODE] [CUSTOMER NAME] [BMPK GROUP] [RELATIONSHIP] [RELATIONSHIP CONNECTION] [PLACEMENT TYPE] [DATE] [DEBIT BALANCE] [COLLATERAL] [NET DEBIT BALANCE] [EXCEEDANCE/VIOLATION] [% EXCEEDANCE/VIOLATION] [QUALITY] [DESCRIPTION] Where:
[REPORT CODE]
Contains the BMPK report type code, as a 2-character numeric value, which can contain values:
01 – Related BMPK
02 – Non-Related BMPK
03 – BMPK Exceedance
[ROW CODE]
Contains row information code, as a 3-character numeric value, which can contain values:
000 – single data row
010 – row indicating group information
011 – row indicating group member information
019 – total row of one group
9XX – data items determined based on reference table.
[CUSTOMER NAME]
Customer name to be reported, as a 30-character left-aligned alphanumeric value with space characters as fillers for empty data. [BMPK GROUP] BMPK group name to be reported, as a 30-character left-aligned alphanumeric value with space characters as fillers for empty data. [RELATIONSHIP] Type of relationship with the BPR of the respective customer, as a 1-digit numeric value with content as follows:

Customer is related to the BPR.
Customer has no relationship with the BPR.
[RELATIONSHIP CONNECTION]
Contains description data of the customer's relationship connection with the BPR, as a 30-character left-aligned alphanumeric value with space characters as fillers for empty data. [PLACEMENT TYPE] Contains information on the type of placement of the customer at the respective BPR, as a 1-digit numeric value containing:
Credit Granting (Related and Non-Related).
Placement in Other Banks.
BMPK Exceedance.
[DATE]
Contains information on the date of provision/realization of funds, as an 8-digit numeric value with specification ‘DDMMYYYY’ where:
DD : date of provision of funds, example: ‘01’ MM : month of provision of funds, example: ‘07’ YYYY : year of provision of funds, example: ‘2007’ [DEBIT BALANCE] Contains information on the loan debit balance, as a 12-digit right-aligned numeric value with character ‘0’ as a filler for empty data on the left, example: ‘000000200000’ [EXCEEDANCE/ VIOLATION] Contains information on the exceedance/violation value, as a 12-digit right-aligned numeric value with character ‘0’ as a filler for empty data on the left. example: ‘000000200000’ [%EXCEEDANCE/ VIOLATION] Contains information on the loan debit balance, as an 8-digit right-aligned numeric value with character ‘0’ as a filler for empty data on the left, with 4 decimal places of precision and written without a decimal sign. Example: 00101000, meaning 10.1% [QUALITY] Contains loan repayment quality criteria, as a 1-character numeric value, containing:
1 - Good
2 - Less Good
3 - Doubtful
4 - Bad
[DESCRIPTION]
Contains description details to be conveyed, as a maximum 30-character left-aligned alphanumeric value.

G. IMPORT
This sub-module functions to re-enter the contents of an export file that has the same period as the application period into the BPR database. Please note that the import process will delete existing BMPK data in the database before entering the data contents from the export file. Import Steps:

On the main menu, click 1 Monthly - BMPK Report.
Select Import.
Click the Browse button to take the export file with the extension _BMPK.EXP.
Click the Import button to perform the data retrieval process.
If successful, a message "import complete" will appear.

H. BACKUP
The backup sub-module functions to save all data in the database as a backup that can be restored to the database at any time. Data backup steps:

On the main menu, click 1 Monthly – BMPK Report.
Select Backup.
Click Process to create the backup file.
If successful, a message "backup complete" will appear, then click OK.
The backup result will be saved in the folder " .\Data_Backup".
The created file is encrypted and zipped with the extension _BMPK.BAK.

This copy is in accordance with the original
Legal Director 1
Legal Department signed
Yuliana

I. RESTORE
This sub-module functions to re-enter the contents of the backup file into the BPR database. Please note that the restore process will delete all existing data in the database before entering the data contents from the backup file. The steps for the restore process are as follows:

Perform Validation first.
On the main menu, click 1 Monthly - BMPK Report.
Select Restore.
Click the Browse button to take the backup file with the extension _BMPK.BAK.
Click the Restore button to perform the data retrieval process.
If successful, a message "restore complete" will appear.

Established in Jakarta on July 19, 2017
EXECUTIVE HEAD OF BANKING SUPERVISOR
FINANCIAL SERVICES AUTHORITY, signed
NELSON TAMPUBOLON

APPENDIX III
CIRCULAR LETTER OF THE FINANCIAL SERVICES AUTHORITY NUMBER 41 /SEOJK.03/2017 CONCERNING MAXIMUM CREDIT GRANTING RURAL BANKS

TECHNICAL INSTRUCTIONS FOR THE BPR WEB APPLICATION RURAL BANKS MAXIMUM CREDIT GRANTING REPORT

CHAPTER I
INTRODUCTION
The BPR Web Application is an application used by Reporting BPRs to send reports to the Periodic Report database at Bank Indonesia. Minimal Configuration The minimal software and hardware configurations that must be met to run the Periodic Report Web Application are as follows:

Software configuration:
a. Operating System: Microsoft Windows 2000, XP. b. Software: Internet Explorer 6.
Hardware configuration:
a. RAM: 256 MB b. Hard Disk: 10 GB
c. Monitor: SVGA 1024 x 768 pixels
d. Modem: 56 Kbps e. CD-ROM Drive. f. Mouse, Keyboard. a. Telephone line.

CHAPTER II
INSTALLATION
A. PRE-INSTALLATION
To run the Periodic Report Web Application, first perform settings on the computer as follows:

Dial-up Connection Settings.

Connection to BPR Extranet.
B. RUNNING INTERNET EXPLORER
The Periodic Report Web Application uses Internet Explorer version 6 or higher. The steps are as follows:
Run Internet Explorer.
Type the web address: 192.168.32.8/lbpr in the Address Bar then press enter or click Go.
On the Login Page, enter Bank ID, User ID, and Password.
Click the Login button.
The User ID entered is the User ID already registered by the Bank Indonesia administrator. If the entered User ID is registered as a BPR user, it will enter the main BPR page. BPR Users only have one user level, which is as an administrator using all menus on the BPR web page. BPR User Usage Rights Table Level Usage Rights 1 2 3 4 5 6 7 8 9 Administrator x X x *) Description
Upload 6. Warning
Report Attendance 7. Change Password
Reference Table 8. Log
Report 9. Helpdesk
News

C. BPR MAIN PAGE
The BPR main page consists of 8 menus (Upload, Attendance, Reference Table, Report, Helpdesk, News, Warning, and Log) and 3 icon links. (Main Page, Change Password, and Logout). In the middle of the BPR Web main page, there is a Warning List and News List. From each list, click the [more details] text, and the following screen will appear:

Warning Details
News Details

CHAPTER III
TECHNICAL INSTRUCTIONS
A. UPLOAD PAGE
This page functions to send Periodic Report data from the Reporting BPR to Bank Indonesia via the extranet (online).

Send Report
Steps to send Periodic Report data:
a. Click the Upload menu, and the following page will appear:
b. Select the report according to the report to be uploaded:

Monthly Report
Publication Report
BMPK Report
c. Click the Browse button to take the Periodic Report data that has been entered in the Periodic Report data entry application, where the file is in the BPR directory.
DataKirim. Select the file with the extension corresponding to the selected report, namely:
- .bpr for Monthly Report.
- .pub for Publication Report.
- .ppk for BMPK Report.

d. Then click the Open button, and the file will appear in the upload form. e. Click OK. f. If the file has been uploaded before, the following confirmation will appear:
Click Yes if you want to resend or if the data has been corrected. Click No if the sending is cancelled. If resending is performed, remember that the report to be taken by Bank Indonesia is the last uploaded report.

g. If the upload is complete, it will appear as follows:
h. To view the upload status, click the text Click Here to view upload status, and the Attendance page will appear.
i. Click the Receipt to view the receipt of the Periodic Report sending. If necessary, the receipt can be printed via printer or saved as a softcopy.

Reference Table Page
This page contains reference tables used as references in creating periodic reports. To view the reference table, click the desired table, and the target table will appear. This table can also be downloaded, as follows:
a. Click the Reference Table menu. b. Click the Download Reference text, located at the top right of the table.

c. The following box appears:
d. Select “Save this file to disk“, click OK. e. Save the file in the BPR directory, the downloaded file is the reference table.ref. f. This table_referensi file can be used in the periodic report data entry application.
3. Report Page
The report page consists of six pages: Individual Report, Publication Report, Combined Report, and BMPK Report. The first page to appear is the Individual Report page. a. Individual Report Page On this page, the Reporting BPR can view and save Monthly Reports that have been uploaded to the BPR web. Steps to open the Individual Report page:

Click the Report menu, and the Report page will appear.
.
Select Category = Individual.
Select Period (month and year of the report to be viewed).
Select Report (report form 1 to 9).
Click the Display button, an example of the display of credit reports given is as follows:
To save the report, click file, then click save as.
To print the report, click file, then click print.
b. Publication Report Page
This page functions to view the BPR publication report which is recapitulated from the monthly data that has been uploaded previously. Publication Reports consist of Publication Balance Sheet, Commitments and Contingencies, Profit and Loss Calculation and Retained Earnings. The steps are as follows:
Click the Report menu, and the Report page will open.
Select Category = Publication Report
the following page will appear:
Select Period (quarter and year of the report to be viewed).
Select Report, the report to be viewed is, Publication Balance Sheet, Commitments and Contingencies, Profit and Loss and Retained Earnings as well as Productive Asset Quality and Other Information.
Enter User ID and Publication Send File Password according to the data entry.
Click the Display button, an example of the display for Publication Commitments and Contingencies is as follows:
To save the report, click file, then click save as.
To print the report, click file, then click print.
c. Combined Report Page
This page functions to view the BPR combined report which is recapitulated from the monthly data that has been uploaded previously. Combined Reports consist of Form 01 to Form 09. The steps are as follows:
Click the Report menu, and the Report page will open.
Select Category = Combined Report.
Select Period (month and year of the report to be viewed).
Select Report.
Click the Display button.
To save the report, click file, then click save as 7.
To print the report, click file, then click print. d. BMPK Report Page This page functions to view the BPR BMPK report which is recapitulated from the BMPK data that has been uploaded previously. BMPK Reports consist of Provision of Funds to Related Parties Report, BMPK Violations for Non-Related Parties Report, and BMPK Exceedance Report. The steps are as follows:
Click the Report menu, and the Report page will open.
Select Category - BMPK Report appears a page like the following:
Select Period (month and year of the report to be viewed).
Select Report, the report to be viewed is, Provision of Funds to Related Parties Report, BMPK Violations

Maximum Lending Limit for Third Parties, and Overlimit Reports.

Click the Display button, an example display for the Related-Party Fund Provision Report is as follows:
To save the report, click File, then click Save As.
To print the report, click File, then click Print.

Helpdesk Page
This page functions as a forum for questions and answers with Bank Indonesia, usage guides for the system, problem handling, and FAQs (Frequently Asked Questions).

The Helpdesk page consists of 3 pages, namely:

a. Q&A.
This page can be used to submit/send questions to the Bank Indonesia administrator with the following steps:

Click the Help Desk Menu.
Click Q&A.
Click the Send Question text.
Write the question in the Send Question Form box.
The list of incoming questions will be displayed on the Q&A page.

b. Guide
This page contains guides regarding periodic reports.
This guide page will be updated by Bank Indonesia.

To open it, click on the desired guide title.

c. FAQ (Frequently Asked Question)
This page displays a list of questions usually asked regarding the submission of Periodic Reports along with their answers.
This FAQ page consists of two menus, namely:

Help: Contains questions about the method of using the Periodic Report Web.
Contact Person: Contains questions about how to contact Bank Indonesia, both regarding web-based Periodic Report submission or regarding BPR Periodic Reports themselves.

News Page
On this page, news published by Bank Indonesia is posted. BPRs can read the news available by clicking the title of the news they wish to read.
Warning Page
The warning page contains a list of Bank Indonesia warnings to BPRs which will always be updated. Click the existing warning title to view the full warning.

This copy is consistent with the original
Director of Law 1
Legal Department signed
Yuliana

Log Page
This page functions to view pages that have been opened and can be used to track processes that have been carried out by the currently used user ID.

Established in Jakarta on the date 19 July 2017 EXECUTIVE HEAD OF BANKING SUPERVISOR FINANCIAL SERVICES AUTHORITY, signed NELSON TAMPUBOLON

Circular Letter of the Financial Services Authority Number 41/SEOJK.03/2017 Concerning Maximum Limit on Credit Provision by Rural Banks

Lineage: Superseded

Timeline

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