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Jakarta, CNBC Indonesia – Minister of State-Owned Enterprises (BUMN), Erick Thohir, revealed several reasons for the importance of combining data from MSMEs, including those of PT Bank Rakyat Indonesia (Persero) Tbk (BBRI), PT Pegadaian (Persero) and PT Permodalan Nasional Madani (Persero) / PNM.
Erick said that the goal of the synergy was, of course, to encourage small entrepreneurs to move up the ranks, MSMEs that were previously non-bankable could be classified as eligible for bank credit.
“The ultra-micro financing is the same, combining the data of a UMKM with our efforts, the small entrepreneurs go up in category. The ultra-micro, which was not bankable, has been upgraded to bankable. What was previously a loan of 2 crore because of a good track record, he finally got a loan of 50 crore. -We combined these and optimized these things, “Erick said at the Indonesia 2020 Digital Conference, on Wednesday (12/16/2020).
In addition, the loan interest is also Erick’s reason with the BRI-PNM-Pegadaian synergy.
“One we emphasize here is interest. Don’t let [pengusaha] The small ones can get expensive interest, the big ones can get cheap interest due to their financial structure. For example, PNM when issuing for your financial needs may be [kasih] 9 percent, but BRI with a large loan market is 3 percent. “
Therefore, it is expected that in the future, large-scale BRI Bank can help PNM’s ability, so that small business entrepreneur clients get interest or good profit sharing system.
“Let us not be overwhelmed by the rich, but the poor have more expensive financing.”
“With the toll road already going from Palembang to Lampung, the increase is almost 40 percent. So it is now very easy to improve services with the online system. Previously, the queue was 60 hours, already You can’t have to queue anymore. You know what time to arrive, wait. How long, the capacity of the ship is there or not. These things have happened. “
Not only that, Erick also brought up the issue of buying goods with a certain nominal value that would specifically become a niche market for MSMEs, in which BUMN no longer worked.
“I took out Candy [Peraturan Menteri], there cannot be acquisition of goods above Rp 50 million, Rp 250 million, it cannot [digarap perusahaan BUMN]. This is for UMKM now. This is different from 1998, MSMEs, which could be the backbone, were able to leave [dari krisis saat itu], but with the current Covid, MSMEs find it difficult, so the alignment of SOEs with MSMEs must occur ”.
As for BRI Bank, Erick said, BUMN had launched Pasarid, one of the Bank’s programs BRI which is believed to be a very decisive alternative transaction pattern for consumers and BRI.
“We also talk about big, small, daily traders with limited access. We need even capital, we also synergize it. These things that digitization in BUMN not only increases competitiveness in BUMN itself, but also improves services to the community and also ensures alignments with the little ones and continue to support government programs. “
“The BUM itself, in addition to having to do business, provides great dividends to the government, but it does not forget to improve its public services, because we are the engine of economic growth,” said Erick.
“BUMN capital assistance, we have implemented interest subsidies a long time ago, Himbara [Himpunan Bank-bank BUMN] help to MIPYMES, corporations, interests, facilitated fees. We also provide assistance to micro-entrepreneurs, we support them, we also guarantee credit ”.
“We will increase funding for UMKM, through the synergy between Himbara and PNM.”
Earlier, at the CNBC Indonesia Award 2020 forum on December 10, Erick Thohir stated that there were 2 BUMN corporate actions in 2021. This corporate action could be the largest in the history of BUMN in Indonesia.
“In 2021, I make sure there are 2 big corporate actions,” said Erick, who received the CNBC Indonesia award for most influential minister. “
“One is the merger of the Islamic banks,” Erick said.
As for one more thing, the merger of the microenterprise sector into BBRI, PNM and Pegadaian.
“For there to be a real database of MSMEs. We hope that by combining one piece of information, there will be entrepreneurs graduating as small, because from the crisis of 1998 we remember the big ones, although small businesses with a delinquency level of 0.1% are they were very affected by Covid-19, “he explained.
In a previous forum at DPR, Erick said that the financing business that PNM and Pegadaian do today still rely on long-term financing that has high costs. Meanwhile, financing is given to small clients.
“PNM’s business model is very good, but financing is very expensive, so it is not fair to help large corporations to be cheap but ultra micro expensive. But this is not PNM’s fault, it has synergy with BRI. It’s a 3% savings. That’s why we synergized pawnshops and PMNs, “Erick said during a working meeting with the VI Commission of the Indonesian Parliament on Monday (11/30/2020).
[Gambas:Video CNBC]
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