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2013/SMEWG37/016 Agenda Item: 11.1.2
Building Clients Capability, Management, Entrepreneurship and Innovation: BRI Experience
Purpose: Information
Submitted by: Indonesia
37th Small and Medium Enterprises Working Group Meeting
Bali, Indonesia4-5 September 2013
Building Clients Capability, Management, Entrepreneurship andInnovation: BRI Experience
PT. Bank Rakyat Indonesia (Persero), Tbk.
Presented by:
Agus RachmadiHead of BRI Microfinance International
Cooperation & Marketing Strategy
MSME Definition in Indonesia
2
BusinessClassification
Business Criteria
Asset Sales Per YearMicro Less than Rp. 50 Million (exclude
business property)Max Rp. 300 Million
Small Rp. 50 Million - Rp 500 Million(exclude business property)
Rp. 300 Million - Rp. 2,5 Billion
Medium Rp. 500 Million.d Rp 10 Billion(exclude business property)
Rp. 2,5 Billion -Rp. 50 Billion
Micro Rp. 0 - Rp. 50 MillionSmall Rp. 50 Million - Rp. 500 MillionMedium Rp. 500 Million - Rp. 5 Billion
Loan Criteria (Bank Indonesia)
Sumber: Bank Indonesia, 2012
Indonesia MSME in Number
3
52,77Million
53,83Million
55,21 Million
2009
2010
2011
In Indonesia more than 90% of entrepreneur categorized as MSME. The MSME become the backboneof the economy.
Share Pelaku Usaha NasionalEstimated Number of MSME
Sumber : Kementrian Koperasi & UKM
98.83%
1.09% 0.08%
Micro Small Medium
Access toMarket
HR Quality
BusinessManagement
Access toCapital
IT
ProductStandardization
Challenge
Challenges faced by MSME
4
Sumber: MARS Indonesia
• TechnicalAssistance
• Monitoring• Guarantor
• TechnicalAssistance
• Monitoring• Guarantor
• BusinessCooperation &Alliance
• BusinessCooperation &Alliance
• Support FinancialInclusion
• Flexible LoanRegulation
• Support FinancialInclusion
• Flexible LoanRegulation
• Pro MSME Policy
• Monitoring
• Pro MSME Policy
• Monitoring
Government BankingSector
SupportingInstitutionCorporation
…In order to develop MSME, Banking Sector should work together Government, Supporting Institutionand Corporation. Banking sector should provide financial access and also act as financial advisor for the
MSME….
DEVELOPING MSME: SYNERGY BETWEEN MULTIPARTIES
5
MSME
Bank Loan Disbursement MSME Loan per Sector (March 2013)
…In Indonesia, 50.14% from total loan from Banking sector is disbursed to MSME sector…
Rp Triliun
Developing MSME in Indonesia: Bank’s Contribution
6
1,0021,308 1,438
1,766
2,200
2,708 2,768
503 634 737927
1,1511,351 1,388
2007 2008 2009 2010 2011 2012 Mar-13
Total Kredit Kredit MKM
Pertanian3%
Pertambangan1%
Perindustrian6%
Listrik0%
Konstruksi2%
Perdagangan22%
Pengangkutan1%
Jasa DuniaUsaha
6%
Jasa Sosial5%
Lain-lain54%
BRI Roles on MSME Development in Indonesia: Loan Scheme
7
Direct CashAssistance
Rolling soft loan
Subsidized loan Special scheme ofcommercial loan
Fully commercial loan
A
Level of entrepreneurship
B
C
D
E
Financing model based on entrepreneurship maturity
Fina
ncin
gm
odel
Com
mer
cial
Commercial lineCommercial line
Partnership Loan(PK)
Food and EnergySecurity Loan (KKP-
E)
Kredit UsahaRakyat (KUR)
Komersial(KUPEDES, Kredit
Ritel & Menengah)
….BRI provide many kind of loan scheme to support MSME….
8
BRI Roles on MSME Development in Indonesia: KUR
KUR, solution for feasible but not bankable business
The President of the Republic ofIndonesia officially launched the Loan
for Micro, Small and MediumBusinesses and Cooperatives using
Guarantee Scheme under the name ofKREDIT USAHA RAKYAT on
November 5, 2007 on the 21st Floor ofBRI Head Office.
9
BRI Roles on MSME Development in Indonesia: KUR
KUR refers to:
Working Capital and Investment Loans
Credit ceiling up to Rp 500 million
Provided for Micro and Small Businesses and Cooperativeswhich run productive businesses
Guaranted by insurance companies (70%/80%)
100% funded by Commercial Bank
KUR, solution for feasible but not bankable business
10
BRI Roles on MSME Development in Indonesia: KUR
Disbursed Loan(Rp. Million)
1 BRI (KUR Mikro) 60,601,244 8,350,952 7.32 BRI (KUR Ritel) 15,385,931 91,745 167.73 BNI 14,085,347 223,884 62.94 Bank Mandiri 12,329,576 243,199 50.75 BTN 3,932,124 22,238 176.86 Bukopin 1,745,102 11,669 149.67 Bank Syariah Mandiri 3,293,281 44,891 73.48 BNI Syariah 123,070 878 140.29 BPD 11,787,971 150,720 78.2
123,283,646 9,140,176 13.49
No Bank Borrower AverageLoan/Borrower
TOTAL
61.64%38.36%
KUR Market Share(Disbursed Loan)
92.37%
7.63%
KUR Market Share(Number of Borrower)
(8,442,697)
(697,479)As of July 2013, KUR already disbursed to 9,1 Millionpeople with average loan Ro. 13.46 Million/borrower.As of July 2013, 1.18 Million KUR borrower in BRI alreadymigrated to full commercial loan.
(Sumber: Kemenko Perekonomian)
11
BRI Roles on MSME Development in Indonesia: Innovation
• Survey American Banking Association, on overheadcost banks delivery channels :
– On line/Internet Banking = USD 0.01– ATM = USD 0.27– Telephone = USD 0.54– Branch = USD 1.07E-
Banking
Low Cost
Efficient
Fast
Generatenew
Business
BRI’s Customer Base: ± 51 million people
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BRI Roles on MSME Development in Indonesia: Capacity Building
• For Loan Borrowers and Existing Customer
• Formal & Informal
• Formal Training: Duration 3-12 days and cooperate with training providers
• Informal Training: Mantri BRI as financial advisor
• Target Output: Increase in sales (minimum 10%), Create Innovation (3 new products),Increase in access to loan, Increase in Savings