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International Seminar on Microfinance and Financial Inclusion“Bringing Indonesia’s Microfinance and Financial Inclusion to the World”
REMARKS – INDONESIA MICROFINANCE OVERVIEW 2015
Edy SetiadiMember of Commissioner Board and CEO for NBFI Supervisor
Financial Service Authority (OJK)
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Function
2
Microfinance
Financial Intermediary
Social Intermediary
2
CohesionSafeguard
Local Wisdom
Tackle Development Problems
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Type of MF Service Providers
3
MSMEs a
nd Hous
eholds
Banks
Micro Finance Institutions (MFI)
Non BankNon Cooperatives
Banks
Regional Development Banks (BPD)
Rural Credit Banks (BPR)
Cooperatives
MFI Cooperatives
Insurance
Pawn Shop
Multifinance
Venture Capital
PNM
Govt Program
Group
Individual
- Bank Desa - Lumbung Desa - Bank Pasar - Bank Pegawai - BKD - BKK - KURK - LPK - BKPD - BUKP - BMT
Arisan, Business Group(Ex: Farmers,
Fisherman), Others
Shop, Money Lender, Pawn, Others
Sharia Cooperatives - KJKS(BMT,BTM) - UJKS
Conventional Cooperatives - KSP/USP - Credit Union
Sharia
Conventional
Informal
Type of MFIs in Indonesia
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Developed by Government
Developed by Community
Community Development Program
1. BKD (Badan Kredit Desa)2. BKK (Badan Kredit
Kecamatan)3. PDPK (Perusahaan
Daerah Perkreditan Kecamatan)
4. BUKP (Badan Usaha Kredit Pedesaan)
5. LKK (Lembaga Kredit Kecamatan)
6. LKP (Lumbung Kredit Pedesaan)
7. BKPD (Badan Karya Produksi Desa)
1. Baitul Maal Wat Tamwil (BMT)
2. Baitul Tamwil Muhammadiyah (BTM)
3. Kelompok Swadaya Masyarakat (KSM)
4. Pra Koperasi5. Credit Union
1. UED-‐SP (Unit Ekonomi Desa-‐Simpan Pinjam)2. Kelompok Usaha Bersama (KUBE)3. ProgramPengembangan Kawasan Perkotaan (P2KP)4. Pengembangan Ekonomi MasyarakatPesisir (PEMP)5. PNPMMandiri (Perdesaan/Perkotaan)6. KUB (Kelompok Usaha Bersama)7. Kelompok Program Peningkatan Pendapatan Petani-‐
Nelayan Kecil (KP4NK)8. Kelompok Unit Program Pelayanan Keluarga Sejahtera
(UPPKS)9. LSPBM (Lembaga Simpan Pinjam Berbasis Masyarakat)10. BKM (Badan Keswadayaan Masyarakat) –Unit Simpan
Pinjam11. USEP-‐KM (Usaha Sosial Ekonomi Produktif Keluarga
Miskin)12. Gapoktan (Gabungan Kelompok Tani)13. LPED (Lembaga Pemberdaya Ekonomi Desa)14. PUAP (Pemberdayaan Usaha Agribisnis Pedesaan)15. Raksa Desa16. UPKD (Unit Pengelola Keuangan Desa)17. LPUK (Lembaga Pembiayaan Usaha Kecil) di Kalsel18. UEK-‐SP (Unit Ekonomi Kelurahan-‐Simpan Pinjam)
25/09/2015 ©Otoritas Jasa Keuangan 5 | Page
Business Development
and Community Emperowermen*
Lending or micro financing
Saving
Business Development Services
MFI Definition (based on MFI Law)Microfinance Institutions are hereinafter referred to as MFIs, financial institutions specifically established to provide business development services and community development, either through loans or financing micro enterprises to members and the public, management of deposits, as well as the provision of consulting services business development not only for-profit.
Not only for-‐ptofit
Included with Fee based income activites, Branchless Bangking (Laku Pandai), Micro Insurance & Joint Financing
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Microfinance Product
• Microfinance, in OJK’s perspective, is not identical with micro credit.
• There are many other micro finance schemes and products
• Microfinance schemes and products are micro insurance, farmer insurance, and climate insurance that can become safety nets for farmers, cattle farmers, and fishers.
• MFIs need to be supported in becoming agents of financial service products such as branchless banking, mutual funds, payment services, and others.
• In the future, MFIs are expected to be able to issue commercial papers as a way to meet financing requirements.
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