BPR Yaspis · OJK Licensed

PT. BPR Yaspis Dana Prima

Mitra Keuangan Pertumbuhan Sulteng · Top 100 BPR Indonesia · LPS Guaranteed

“Melayani Poso · Morowali Utara sejak 2008”

KP Tentena, Kabupaten Poso+62 458 21080bpr-yaspis.co.idIzin OJK 10/63/KEP.GBI/DPG/2008

Akar Lokal Poso

Ekspansi Morowali

Track Record Bersih

Dijamin LPS

Total Aset

Rp 198.5 M

DPK Rp 142.3 M · 8.340 nasabah

+4.8%

Kredit Outstanding

Rp 1.4 M

16 kredit aktif

Kolektibilitas POJK 33/2018

5-tier · CKPN auto-calc

NPL 14.5%

1Lancar

Rp 136.2 M

1087 · CKPN 1%

2DPK (Dalam Perhatian Khusus)

Rp 11.0 M

98 · CKPN 10%

3Kurang Lancar

Rp 3.8 M

34 · CKPN 50%

Produk Unggulan

3 simpanan · 6 kredit

Semua produk →

Tabungan YaspisTabungan

2.5% p.a.

Tabungan reguler · setoran mulai Rp 20.000 · dijamin LPS

Target: Retail · petani · pedagang

Deposito BerjangkaDeposito

Core Lending & Risk

7

Core

Loan Management

1,247 kredit aktif · outstanding Rp 153.7 M · kelola life-cycle dari disbursed hingga lunas

Apply

New Loan Application

9-step origination: KYC → SLIK → DSR/LTV → survey → komite → approval → akad → disbursement

Regulatory Obligations

Full Compliance

SLIK

SLIK (Sistem Layanan Informasi Keuangan)

Real-time per loan application

POJK33

POJK 33/2018 — Kolektibilitas

Monthly classification

POJK12

POJK 12/2018 + 76/2016 — CKPN

Monthly provision

APOLO

APOLO Reporting

Monthly (deadline T+15)

LAPBPR

LAP-BPR

Monthly (T+10) + Quarterly audited

LPS

LPS Premium

Semi-annual

KYC

KYC & Customer Due Diligence

Per new customer

KUR

Pelaporan KUR

Monthly per portfolio

Dirut Nyoman Mulyadi · Komut Fernando Christian WongkarIzin BI 10/63/KEP.GBI/DPG/2008Beroperasi sejak 2008Staff 38 orang

-0.3%

NPL Ratio

14.48%

Di atas OJK 5% — urgent

CAR

23.7%

ROA 2.2% · ROE 14.2%

4Diragukan

Rp 1.6 M

18 · CKPN 75%

5Macet

Rp 994 jt

10 · CKPN 100%

Jaringan Layanan

5 titik · 1 KP + 1 KC + 3 KK

KP

KP Tentena

Tentena, Kab. Poso

KK

KK Kasiguncu

Poso Pesisir, Kab. Poso

KK

KK Pendolo

Pamona Selatan, Kab. Poso

KK

KK Bada

Lore Selatan, Kab. Poso

KC

KC Kolonodale

Petasia, Kab. Morowali Utara

2024

Segmen Nasabah

8.340 total nasabah

Petani (Kakao, Kopi)28%

PNS / Pegawai Tetap24%

UMKM / Pedagang21%

Workforce Tambang (Morut)13%

Pensiunan9%

Retail / Masyarakat umum5%

13% workforce tambang — segmen terbaru via KC Kolonodale 2024 · sinergi BJM Honda

5.50% – 6.75% p.a.

Tenor 1/3/6/12 bulan · bunga kompetitif · dapat dijadikan jaminan kredit

Target: Nasabah prima · corporate · investor

Kredit Modal Kerja UMKMProduktif

12–16% p.a. efektif

Kredit modal usaha untuk UMKM · plafon fleksibel · tenor hingga 36 bulan

Target: UMKM · petani kakao/kopi · pedagang pasar

Kredit Multiguna PNSKonsumtif

14–18% p.a. efektif

Kredit konsumtif pegawai negeri · payroll-cut via bendahara gaji · tanpa jaminan fisik

Target: PNS Pemkab Poso · Pemkab Morut · guru · paramedik

Kredit Kendaraan TambangKonsumtif

13–16% p.a. efektif

Pembiayaan motor roda 2 untuk karyawan tambang Morowali · sinergi Berkat Jaya Motor Bahodopi

Target: Karyawan IMIP · IWIP · kontraktor tambang

Penghargaan

The Finance · industri banking

2020

Top 100 BPR Indonesia

The Finance

2021

Platinum BPR Award

The Finance

2021

Top 100 BPR Indonesia

The Finance

2023

Top 100 BPR Indonesia

The Finance

2025

Top 100 BPR Indonesia

The Finance

Dijamin LPS

Simpanan hingga Rp 2 Miliar per nasabah otomatis dijamin Lembaga Penjamin Simpanan · sesuai UU No. 24/2004 · premium semi-annual

Wajib

SLIK OJK Lookup

Credit bureau check OJK · riwayat kredit debitur · wajib sebelum setiap origination

Compliance

KYC & Dukcapil

Verifikasi KTP elektronik real-time · selfie liveness · PEP screening · BO declaration

Komite

Committee Approvals

Maker-checker untuk kredit > Rp 50 jt · komite kredit sign-off · audit trail

Risk

NPL & Kolektibilitas

POJK 33/2018 · 5-tier classification · CKPN calc · NPL ratio monitoring (OJK limit 5%)

Collection

Collection Workflow

Past-due aging bucket · field collector assignment · restrukturisasi · reminder SMS/WA

Regulatory & Operations

9

BI

APOLO Reporting

Laporan bulanan BI · sektor ekonomi · CAR · NPL · likuiditas · deadline T+15

OJK

LAP-BPR Submission

Laporan keuangan OJK bulanan (T+10) + laporan publikasi triwulanan · neraca · laba rugi

Provision

CKPN Calculator

Provisioning otomatis per kolektibilitas · 0.5%/10%/50%/75%/100% · posting ke GL

DPK

Tabungan & Deposito

DPK Rp 142.3 M · 7,093 rekening tabungan + deposito · opening, setoran, penarikan, bagi hasil

Treasury

Treasury & Likuiditas

Cash position · GWM · interbank placement · rasio likuiditas · stress test

Subsidi

KUR Portfolio

Program pemerintah · bunga max 6% · rekonsiliasi subsidi · pelaporan Kemenkop

LPS

LPS Premium

Setoran premi penjaminan simpanan semi-annual · 0.2% of DPK · export ke LPS

Synergy

Sinergi Honda Kolonodale

Cross-sell Kredit Kendaraan Tambang untuk karyawan IMIP · referral dari BJM Morowali

BI

Analytics & Dashboard

ROA · ROE · NIM · cost-to-income · growth trend · executive KPI

Audit & CRM

2

Audit

Audit Log & Compliance

Immutable audit trail · user action log · change history · Bank Indonesia audit-ready

CRM

Nasabah 360°

Unified view: simpanan + kredit + relationship · 8,340 nasabah · lifecycle tracking