ANALISIS PENOLAKAN KREDIT INVESTASI ATAS PEMBELIAN SATU UNIT BREAKBULK CARRIER OLEH PT ABC DI BANK BII

Affan Ghiffari, S. E, Dr. Erni Ekawati, MBA

2012 | Tesis | S2 Magister Manajemen

PT ABC adalah perusahaan palayaran nasional yang berpusat di Jakarta yang mengajukan proposal kredit investasi kepada Bank Internasional Indonesia (BII) pada semester I tahun 2008. Perusahaan berencana untuk membeli satu unit kapal breakbulk carrier senilai USD17.000.000 dengan ukuran +10.500 DWT dengan tahun pembuatan kurang dari 10 thn yang akan digunakan untuk pengerjaan proyek pengangkutan ferronickel PT Aneka Tambang dari Pomala ke Rotterdam. Pengajuan proposal secara lengkap telah diajukan oleh pihak BU kepada LC BII pusat. Keseluruhan data dan dokumen calon debitur telah dilengkapi dengan baik dan sesuai dengan syarat-syarat yang ada di BII. Analisis dari sisi 5C’s, Cash Flow Analysis, Financial Ratio, dan mitigasi atas Resiko-resiko yang akan terjadi telah dipaparAkan dengan detail oleh pihak BU. Hasil review dan evaluasi oleh LC baik dari tingkat Risk Manager sampai dengan Chief Credit Officer telah dilakukan di kantor pusat, namun pada saat review di level Risk Director, proposal tersebut ditolak dengan alasan tidak Stand Alone Feasibility. Setidaknya dapat diambil pelajaran atau terdapat Key success factor pada pengajuan pembiayaan kapal di Bank, antara lain adalah jangka waktu kontrak sewa kapal minimal sama dengan tenor pembiayaan, pengalaman di industri dan pernah mengoperasikan kapal sebelumnya.

PT ABC is a national shipping company where located in Jakarta had proposed an investment credit to Bank International Indonesia (BII) in the first semester of 2008. The company had planned to buy 1 (one) unit of breakbulk carrier with value USD17.000.000, + 10.500 DWT which built less than 10 years. The ship will be used for PT Aneka Tambang which carried for Ferronickel cargo from Pomala (Sout East Sulawesi) to Rotterdam. The Proposal had already proposed by Business Unit to Loan Committee in BII. The entire document in the proposal had already complied with the terms and condition of credit proposal standard in BII. We, as BU already analyzed with all credit tools in BII standard such as 5C’s, Cash Flow Analysis, Financial Ratio, Risk Mitigation and also a potential risk is already proposed and explained well in the credit proposal by BU. The member of LC in the head quarter of BII, from Risk Manager to Chief Credit Officer had review and analyzes the proposal, meanwhile when the proposal came to the Risk Director; the Risk Director had rejected the proposal due to the proposal is not a Stand Alone Feasibility project. From this side, we can take a lesson learned regarding Credit Proposal for shipping industry in a Bank; at least we have a key success factor before we propose a new credit proposal for buying a ship; the period of contract/chartered at least must be same with the tenor of credit; the company has an experienced in operating of vessel and the company already have at least one vessel to be operated before propose a new ship to the Bank.

Kata Kunci : Pembiayaan Investasi, Risk Management, Industri Perkapalan