VALUE PROPOSITION
A low level of risk, Installment deductions through pension accounts, and Death insurance cover.
Current collectability rate (NPL 0%).
The significant number of new pension is a potential market segment for the "Customer Value Package".
The government's policy of periodically increasing pensioners' salaries by 5%-10% has encouraged borrowers to renew and increase their loans.
Banking synergy with cooperatives in an effort to increase marketing, and service coverage.
INVESTMENT PACKAGE
USD X Mil use in Prostra LTD offshore company for fund raising purpose.
The purpose fund raised to support SKU Prostra business expansion.
Suggested 2 investment options:
ADVANTAGES
Service Technology
We used technology based on "Information Technology Infrastructure" with a real time on line method that ensures the speed of service with safe, efficient and updated and integrated between the Cooperative Head Office, Service Office and Work Partners.
Database
Used as a support for optimizing marketing activities and risk prevention, Postra Cooperative uses a retiree database with up to date pension data information
Human Resources
Experienced Human Resources.
Service Network
Spread across several cities/regencies in Java Island, 43 branches.
RISK MANAGEMENT
Lender credibility checked by funding bank.
Direct deduction from pension salaries via post office
Financing covered by credit life insurance
Collateral in the form of original pension decree is stored at the funding bank.
