Penjaminan Kredit Bank dan Non Bank merupakan produk dari perusahaan asuransi untuk memberikan penjaminan kepada perbankan maupun non perbankan atas kredit yang diberikan kepada UMKM. Di Indonesia berlaku gearing ratio sebanyak 20 kali atau dengan kata lain lembaga penjamin kredit hanya bisa memikul risiko sebanyak 5 %. Hal ini dapat diilustrasikan jika modal lembaga penjamin sebesar Rp 10 milyar,
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