Ari Wibowo

• Branch with Best KPI Performance in June 2024
• Achievement of the Best Volume and IJK KUR Product by June 2024
• Net profit in June 2024 of Rp.2,4 billion
• Agreement counter bank guarantee with Bank NTB Syariah (where the bank manages local government funds/APBD)

• Subrogation achievement of Rp.4 billion until November 2023
• Improve understanding of portfolio risk mitigation policies and procedures in branch offices, in accordance with the SOP and compliance applicable in the company.
• Net profit in November 2023 of Rp.1,4 billion
• Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.

• Agreement counter bank guarantee with Bank Mandiri, where Bank Mandiri provides limit cooperation Rp.4 Trillion
• Agreement counter bank guarantee with BRI Bank, where Bank BRI provides limit Cooperation Rp.3 Trillion
• Agreement counter bank guarantee with Bank Panin Dubai Syariah & Bank Mega Syariah Indonesia
• As a risk committee for the development of corporate risk mitigation policies and procedures.

• IJP (Premium Contribution) of Rp.17 billion with Guarantee Volume of Rp.609 billion at the beginning of the year KC Makassar was established.
• Led KC Makassar to become a Class 2 Branch Office in the first year of its establishment.
• Counter bank guarantee agreement with Bank Sulselbar (where Bank Sulselbar is the bank managing the APBD funds).

• Agreement with Bank Syariah Mandiri for Products: Counter Bank Guarantee, Supplier Chain Financing Guarantee, Multipurpose and Pension Guarantee
• Agreement with Pegadaian Syariah for Amanah and Arrum products
• Agreement with BRISyariah Bank for products: EmBP and Pension Guarantee

• Create and build business model (end to end process) of multifinance products and Trade Service.
• Create Standard Operating Procedures for Multifinance Business with Channeling, Executing and Joint Finance models.
• Established alliances with 20 multifinances with a portfolio of Rp.1.4 trillion
• Non-performing financing (NPF) of multifinance financing of 0.21%

My role is to assess the feasibility of financing for corporate and commercial segments in accordance with Shariah principles. My main responsibilities include in-depth analysis of the customer's financial statements, business model, management structure, and business risks. I am tasked with preparing accurate and comprehensive financing recommendations as a basis for decision-making by the financing committee. This process is conducted by upholding prudential principles, compliance with OJK and DSN-MUI regulations, and professional integrity in every aspect of the assessment.
In carrying out my duties, I coordinate closely with business units, risk management, and legal to ensure an optimal, safe, and sharia-compliant financing structure. My assessment is not only quantitative, but also considers managerial quality, industry prospects, and the socio-economic impact of the financed project.

I am in charge of managing sharia-compliant financing for micro, small, and medium enterprises. My responsibilities include customer acquisition, conducting business feasibility analysis, preparing financing proposals, and monitoring the portfolio. I am also required to ensure that contracts such as murabahah, mudharabah, and musyarakah are conducted by Sharia principles and the bank's internal regulations. In addition to my financing duties, I must also contribute to customer education on Islamic banking products, fostering trust and long-term relationships. Implement a service-oriented approach and risk management strategies to help maintain the quality of financing, reduce the level of non-performing financing, and support the growth of the work unit, to increase Islamic financial inclusion nationwide.