{"id":4372,"date":"2025-09-25T15:05:18","date_gmt":"2025-09-25T15:05:18","guid":{"rendered":"https:\/\/gumikbali.co.id\/?p=4372"},"modified":"2025-09-25T15:05:18","modified_gmt":"2025-09-25T15:05:18","slug":"grc-bpr-di-era-inovasi-keuangan-penguatan-kompetensi-sdm-dan-ekosistem-digital","status":"publish","type":"post","link":"https:\/\/gumikbali.co.id\/index.php\/2025\/09\/25\/grc-bpr-di-era-inovasi-keuangan-penguatan-kompetensi-sdm-dan-ekosistem-digital\/","title":{"rendered":"GRC BPR di Era Inovasi Keuangan: Penguatan Kompetensi SDM dan Ekosistem Digital"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Catatan: D.Wijaya dari Rakernas Perbarindo 2025-Makassar <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bank Perekonomian Rakyat (BPR) merupakan salah satu pilar penting dalam ekosistem keuangan nasional. Namun, perjalanan BPR tidak lepas dari risiko kegagalan, baik karena faktor internal maupun eksternal. Direktur Group Manajemen Risiko, Lembaga Penjamin Simpanan, Mugiyanto Umar Yunizar, menyebut \u201ckegagalan bank sering kali dipicu oleh lemahnya tata kelola, pengelolaan risiko yang tidak memadai, hingga keterbatasan kompetensi sumber daya manusia (SDM) dan teknologi\u201d.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hal itu disampaikan Mugiyanto Umar Yunizar pada acara Rapat Kerja Nasional (Rakernas) Perhimpunan Bank Perekonomian Rakyat Indonesia (Perbarindo) 2025 yang digelar di Four Points Hotel Makassar pada 25-26 September 2025. tema Rakernas Perbarindo tahun 2025 ini adalah \u201cPenguatan Kompetensi SDM dan Ekosistem Digital dalam Implementasi GRC BPR di Era Inovasi Keuangan,<strong>\u201d<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Disebutkan juga,&nbsp; dari sisi internal, masalah yang kerap muncul adalah tata kelola yang buruk, meningkatnya Non-Performing Loan (NPL), mismatch aset dan kewajiban, serta biaya operasional yang tinggi. Lemahnya SDM dan sistem teknologi yang usang memperparah kerentanan ini. Dari sisi eksternal, tekanan datang dari kondisi makroekonomi, persaingan ketat dengan bank umum maupun fintech, perubahan regulasi, pergeseran perilaku nasabah ke arah digital, hingga ancaman penipuan eksternal dan serangan siber.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"458\" src=\"https:\/\/gumikbali.co.id\/wp-content\/uploads\/2025\/09\/55a38a67-fafd-4318-a6c0-a018fbebe226-1024x458.jpg\" alt=\"\" class=\"wp-image-4374\" srcset=\"https:\/\/gumikbali.co.id\/wp-content\/uploads\/2025\/09\/55a38a67-fafd-4318-a6c0-a018fbebe226-1024x458.jpg 1024w, https:\/\/gumikbali.co.id\/wp-content\/uploads\/2025\/09\/55a38a67-fafd-4318-a6c0-a018fbebe226-300x134.jpg 300w, https:\/\/gumikbali.co.id\/wp-content\/uploads\/2025\/09\/55a38a67-fafd-4318-a6c0-a018fbebe226-768x343.jpg 768w, https:\/\/gumikbali.co.id\/wp-content\/uploads\/2025\/09\/55a38a67-fafd-4318-a6c0-a018fbebe226.jpg 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Untuk menjawab tantangan tersebut, implementasi Governance, Risk, and Compliance (GRC) secara terintegrasi menjadi keharusan. Umar Yunizar menegaskan bahwa GRC bukan sekadar instrumen kepatuhan, tetapi sebuah kerangka kerja yang mampu meningkatkan kualitas informasi, mengoptimalkan proses, menekan biaya, serta memperkuat reputasi lembaga. Lebih penting lagi, GRC terintegrasi menghapus sekat antarunit, sehingga informasi tidak lagi tersebar secara terpisah, melainkan dapat digunakan secara efektif dalam pengambilan keputusan. (Gumikbali.co.id\/D.Wijaya)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Catatan: D.Wijaya dari Rakernas Perbarindo 2025-Makassar Bank Perekonomian Rakyat (BPR) merupakan salah satu pilar penting dalam ekosistem keuangan nasional. Namun, perjalanan BPR tidak lepas dari risiko kegagalan, baik karena faktor internal maupun eksternal. Direktur Group Manajemen Risiko, Lembaga Penjamin Simpanan, Mugiyanto Umar Yunizar, menyebut \u201ckegagalan bank sering kali dipicu oleh lemahnya tata kelola, pengelolaan risiko [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":4373,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15,36],"tags":[],"class_list":["post-4372","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bpr","category-nasional"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>GRC BPR di Era Inovasi Keuangan: Penguatan Kompetensi SDM dan Ekosistem Digital - GUMIK BALI<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/gumikbali.co.id\/index.php\/2025\/09\/25\/grc-bpr-di-era-inovasi-keuangan-penguatan-kompetensi-sdm-dan-ekosistem-digital\/\" \/>\n<meta property=\"og:locale\" content=\"id_ID\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"GRC BPR di Era Inovasi Keuangan: Penguatan Kompetensi SDM dan Ekosistem Digital - GUMIK BALI\" \/>\n<meta property=\"og:description\" content=\"Catatan: D.Wijaya dari Rakernas Perbarindo 2025-Makassar Bank Perekonomian Rakyat (BPR) merupakan salah satu pilar penting dalam ekosistem keuangan nasional. Namun, perjalanan BPR tidak lepas dari risiko kegagalan, baik karena faktor internal maupun eksternal. Direktur Group Manajemen Risiko, Lembaga Penjamin Simpanan, Mugiyanto Umar Yunizar, menyebut \u201ckegagalan bank sering kali dipicu oleh lemahnya tata kelola, pengelolaan risiko [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/gumikbali.co.id\/index.php\/2025\/09\/25\/grc-bpr-di-era-inovasi-keuangan-penguatan-kompetensi-sdm-dan-ekosistem-digital\/\" \/>\n<meta property=\"og:site_name\" content=\"GUMIK BALI\" \/>\n<meta property=\"article:published_time\" content=\"2025-09-25T15:05:18+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/gumikbali.co.id\/wp-content\/uploads\/2025\/09\/a3f83bf6-d085-4519-96d8-2dfc623f069c.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"960\" \/>\n\t<meta property=\"og:image:height\" content=\"1280\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Ditulis oleh\" \/>\n\t<meta name=\"twitter:data1\" content=\"Gumik Bali\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimasi waktu membaca\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 menit\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/gumikbali.co.id\/#website\",\"url\":\"https:\/\/gumikbali.co.id\/\",\"name\":\"GUMIK BALI\",\"description\":\"Gerakan Usaha Mikro Kecil\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/gumikbali.co.id\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"id\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"id\",\"@id\":\"https:\/\/gumikbali.co.id\/index.php\/2025\/09\/25\/grc-bpr-di-era-inovasi-keuangan-penguatan-kompetensi-sdm-dan-ekosistem-digital\/#primaryimage\",\"url\":\"https:\/\/gumikbali.co.id\/wp-content\/uploads\/2025\/09\/a3f83bf6-d085-4519-96d8-2dfc623f069c.jpg\",\"contentUrl\":\"https:\/\/gumikbali.co.id\/wp-content\/uploads\/2025\/09\/a3f83bf6-d085-4519-96d8-2dfc623f069c.jpg\",\"width\":960,\"height\":1280},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/gumikbali.co.id\/index.php\/2025\/09\/25\/grc-bpr-di-era-inovasi-keuangan-penguatan-kompetensi-sdm-dan-ekosistem-digital\/#webpage\",\"url\":\"https:\/\/gumikbali.co.id\/index.php\/2025\/09\/25\/grc-bpr-di-era-inovasi-keuangan-penguatan-kompetensi-sdm-dan-ekosistem-digital\/\",\"name\":\"GRC BPR di Era Inovasi Keuangan: Penguatan Kompetensi SDM dan Ekosistem Digital - 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