Abstract :

This article thoroughly examines the process of creating a guarantee fee structure based on risk assessment, specifically focusing on PT XYZ as a case study. This addresses the necessity for a systematic methodology to ascertain guarantee fees that precisely reflect the related risks while guaranteeing fairness and openness. The report emphasizes the significance of infrastructure development in driving Indonesia’s economic growth and the contribution of state-owned firms such as PT PII. The existing techniques for determining guarantee fees are uneven and need a systematic approach, resulting in protracted negotiations and possible biases. This study seeks to close this divide by presenting a standardized approach derived from thoroughly examining existing literature and evaluating risk factors. These risk factors encompass credit rating, financial stability, loan duration, guarantee scope, project intricacy, past performance, and contingency planning. The methodology’s success is demonstrated through its application to PT XYZ Project A, validating its practicality. The results highlight the framework’s capacity to offer transparent and fair calculations of guarantee fees that precisely represent the risk profiles of projects.

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Keywords :

Credit Guarantee, Financing, Guarantee Fee, Infrastructure, Risk Assessment., Standardized Methodology

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References :

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