Sebagaimana diketahui, dalam pemerintahan di bawah Presiden Jokowi selama 5 tahun terakhir telah dikerjakan pembangunan infrastruktur besar-besaran. Dapat disebut di sini di antaranya, total panjang jalan yang telah dibangun dalam era pemerintahannya tercatat 8.448 km, sehingga panjang jalan di Indonesia pada akhir 2018 menjadi 47.017 km.

Demikian pula, Pemerintah disebutkan telah membangun 436 km jalan tol hanya dalam waktu 4 tahun. Pembangunan jalan tol ini akan terus berlanjut, sehingga pada 2019 total panjang jalan tol nasional akan mencapai 1.851 km.

Sementara itu, pada tahun 2019, Pemerintah telah menganggarkan dana APBN untuk infrastruktur sebesar Rp415 triliun, naik dari anggaran infrastruktur tahun sebelumnya. Anggaran akan digunakan antara lain untuk pembangunan jalan sepanjang 1.835 kilometer serta jembatan sepanjang 37.177 meter.

Di samping itu, masih banyak lagi program pembangunan infrastruktur yang dibangun belakangan ini. Dan dengan terpilihnya kembali Jokowi sebagai Presiden, sesuai perhitungan resmi KPU, maka pembangunan infrastruktur ini akan berlanjut.

Sejumlah proyek infrastruktur yang telah dibangun sejak 2015 dan akan diteruskan sampai 2019, antara lain, disebutkan di bawah ini.

  • Bendungan: total bendungan yang terbangun pada masa pemerintahan 5 tahun Presiden Jokowi akan mencapai 65 bendungan.
  • Irigasi: pembangunan jaringan irigasi pada tahun ini nantinya akan mencapai total akumulasi (sejak 2015) seluas 1.004.799 Ha.
  • Embung: tersebar di seluruh wilayah Indonesia, di akhir tahun ini nantinya total embung yang terbangun mencapai 1.062 buah.
  • Jalan: nantinya total jalan nasional yang akan terbangun mencapai 4.119 Km.
  • Jalan Tol: pemerintah terus mengebut pembangunannya sejak tahun 2015, dan di tahun 2019 ini total pembangunan jalan tol akan mencapai 1.852 Km.
  • Jembatan: sejak tahun 2015 telah dibangun dan diteruskan tahun ini, sehingga nantinya total panjang jembatan yang terbangun mencapai 51.092 m.
  • Jembatan Gantung: terutama dibangun di pinggiran perbatasan dan desa-desa, total jembatan gantung yang akan terbangun mencapai 330 unit.
  • Sistem Penyediaan Air Minum (SPAM): total SPAM yang bakal terbangun mencapai kapasitas 24.673 Lt/dtk.
  • Sanitasi dan Persampahan: penanganan sanitasi dan persampahan akan mencapai 12,4 juta KK.
  • Penanganan Kawasan Kumuh Perkotaan: pemerintah diperkirakan nantinya akan menuntaskan total penanganan kawasan kumuh mencapai 24.295 Ha.
  • Pembangunan Pos Lintas Batas Negara: direncanakan total akan dibangun 11 Pos Lintas Batas Negara (PLBN), yang telah dilengkapi dengan pasar dan sarana-pra sarana pemukiman dasar lainnya.
  • Venue Asian Games: ini merupakan prestasi yang telah diakui dunia dimana telah dibangun 79 venue Asian Games yang tersebar di Jakarta, Sumatera Selatan, dan Jawa Barat.
  • Perumahan: tercatat telah terbangun sebanyak 3.542.318 unit, dan di 2019 akan dibangun 1,25 juta unit perumahan lagi.
  • Rumah Susun: sepanjang periode 2015 – 2019 pemerintah telah menyediakan rumah susun bagi masyarakat sebanyak 893 tower, dengan total 50.031 unit.
  • Rumah Khusus: terutama perumahan untuk anggota TNI-Polri, masyarakat di daerah pedalaman dan daerah tertinggal, nelayan, serta masyarakat yang tinggal di daerah perbatasan, diperkirakan pemerintah akan berhasil menyediakan rumah khusus sebanyak 24.463 unit.
  • Rumah Swadaya: melalui pemberian Bantuan Stimulan Perumahan Swadaya (BSPS) nantinya pemerintah akan menyediakan BSPS bagi masyarakat miskin, sebanyak 700.699 unit.

Pembangunan infrastruktur ini diperkirakan masih terus berlanjut di era kepemimpinan Presiden Jokowi yang kedua. Selain itu, proyek infrastruktur tentunya akan menelurkan proyek demi proyek lanjutannya lagi. Misalnya, pembangunan jalan tol akan memancing dibangunnya berbagai proyek perumahan dan aneka properti komersial lainnya di sepanjang dan sekitar jalan tol tersebut.

Pembangunan infratruktur secara massif ini tentunya membutuhkan pembiayaan yang besar yang tentunya ini bisa menjadi peluang bagi perbankan dan lembaga keuangan non bank. Perbankan misalnya dapat menyeleksi sejumlah proyek yang bernilai komersial dan ambil bagian untuk penyediaan kredit infrastruktur.

Namun demikian, proyek-proyek infratruktur ini memiliki sejumlah risiko yang khas, baik yang terkait risiko pembiayaan, risiko pembangunan, risiko peralatan, serta faktor force-majeur. Misalnya saja untuk risiko pembiayaan, perbankan perlu memahami sejumlah risiko dan ketidakpastian, umpamanya:  ketidakpastian kondisi lapangan, pasokan material, pencurian, spesifikasi teknis, mismanajemen, mogok kerja, ketidakpastian skedul pelaksanaan, estimasi biaya konstruksi, fluktuasi harga, serta ketidakjujuran pelaksanaan proyek.

Itu sebabnya, perbankan dan institusi jasa keuangan lainnya perlu untuk dapat melengkapi dan meningkatkan kapabilitas dan kompetensi fungsi terdepan bidang kredit, yakni para Relationship Manager dan Analis Kredit agar dapat melakukan perannya sebagai strategic business partner namun tetap menjunjung tinggi prinsip akuntabilitas, integritas dan prudent.

Diperlukan persiapan team Relationship Manager dan Analis Kredit yang profesional dan terpercaya agar dapat meningkatkan portofolio bisnis bank secara sehat. Tentunya diperlukan daya analisis, pemahaman pengelolaan risiko dan wawasan dinamika bisnis agar mampu merealisasikan produktivitas secara efektif.

Vibiz Learning Center dapat menjadi partner pelatihan dan konsultasi pembiayaan yang kompeten dan berpengalaman, termasuk dalam memberikan pelatihan perkreditan terkait, yaitu “Analisis Pemberian Kredit Proyek Infrastruktur”. Para fasilitator dalam program ini dipastikan adalah praktisi bank dengan pengalaman panjang bidang kredit.

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