Rabu, 20 April 2016

GOVERNMENT UPBEAT OVER MICRO LOAN TARGET By Andi Abdussalam
          Jakarta, April 20 (Antara) - The government is optimistic about its target of disbursing micro loans (KUR) worth Rp120 trillion to small and medium-scale enterprises (SMEs) in 2016.
         The optimism is based on the fact that until the first week of April this year, the distributor banks or financial institutions assigned by the government were able to disburse Rp31 trillion in KUR credits, or about 25.8 percent of the target.
         "We forecast that the target can be achieved even before the end of the year," Bobby Hamzah Rafinus, the deputy for fiscal and monetary coordination of the Office of the Coordinating Minister for Economic Affairs, stated here on Monday (April 18).
         So far, the trend has been that the disbursement of the KUR credits is usually faster after the first quarter of the year. Bobby also believed that expeditious availability of KUR credits in the coming quarters would be fueled by an increase in the number of KUR credit distributors.
         Earlier, only a handful of banks acted as distributors. Now, financing institutions and cooperatives can also function as KUR credit distributors.
         The government has increased the number of distributor banks from seven to 19. Most of the total KUR credit target this year will be disbursed by the three state-owned banks.      


    The state-owned distributor banks included Bank BRI that has a target to extend Rp67.5 trillion KUR credits, Bank Mandiri (Rp13 trillion) and Bank BNI (Rp11.5 trillion). Besides, the KUR credits are also to be channeled by regional government-owned banks and cooperatives.

         The government also assigned private banks to disburse the KUR credits, such as Bank BCA, Bank Artha Graha, Bank TPN, Bank Bukopin and regional government-owned banks.
         The regional government banks (BPD) include BPD of West Kalimantan, BPD of East Nusa Tenggara, BPD of Yogyakarta, BPD of South and West Sulawesi, BPD of Central Java and BPD of North Sumatra.
         Four financial institutions are also being assessed to be assigned as KUR distributors with a credit allocation of Rp1.5 trillion respectively, namely BCA Finance, Adira Dinamika Finance, Mega Central Finance and Federal International Finance.
         Besides, a number of other institutions have also put in proposals to become KUR distributors. The performance of these financial institutions is still under evaluation by the Financial Service Authority (OJK).
         Until April 18, four financing companies were still completing the administrative process to become new KUR distributors.
         According to Rafinus, besides an increase in the number of KUR distributors, the KUR credit subsidy provided by the government also helped accelerate the disbursement of the micro loans.
         He said the government had set aside Rp10.4 trillion in the state budget to support the subsidized nine percent interest rate. With this subsidy, the distributor banks target to channel KUR credits worth Rp120 trillion this year.
         The KUR credits until this month had been channeled by seven banks: Bank Negara Indonesia, Bank Rakyat Indonesia, Bank Mandiri, Bank Sinarmas, Bank Maybank, Bank Pembangunan Kalimantan Barat and Bank Pembangunan NTT.
         Edy Putra Irawady, the deputy for industry and commercial coordination of the Office of the Chief Economic Minister, stated that the government was keen to channel the KUR credits equitably among all Indonesian regions.
         The ministry's statistical data indicated that until the end of March this year, the realization of KUR credits in Central Java had reached Rp6 trillion; East Java, Rp5 trillion; and West Java, Rp4.5 trillion.
         For Sumatra, the highest KUR provision was recorded in North Sumatra, reaching Rp1.1 trillion. The provision of KUR credits in Kalimantan, Sulawesi, Maluku, Papua and Nusa Tenggara was still generally below Rp1 trillion. South Sulawesi, however, had received Rp2.6 trillion and Bali Rp1.6 trillion until March 2016.
         Cooperatives and Small and Medium-scale Enterprises Minister A.A.G.N. Puspayoga said the government will continue to accelerate the disbursement of KUR credits for small businesses.
         "This is part of the efforts to develop the community-based economy," Minister Puspayoga said in Ternate, North Maluku Province on Wednesday (April 20). 
    He said the government has a strong commitment to develop SMEs through various ways so that the target to disburse about Rp100 trillion to Rp120 trillion KUR credits is achieved in 2016.

         "The government should support the KUR program. Without its help, SMEs will face difficulty in achieving growth," SMEs and Cooperatives Minister Puspayoga stated here on Tuesday.
         Puspayoga said the government had lowered the interest rate on KUR credits for small businesses from 22 percent to nine percent. With some of the KUR loan interest rate being subsidized by the government, the banks distributing the KUR are expected to accelerate their credit provision to the SMEs.
         The minister stated that the launch of a linkage program by banks with rural banking (BPR) and cooperatives was part of the efforts to accelerate the distribution of KUR credits.
         "We laud the steps taken by banks, in this case by Bank BNI, with regard to the linkage program with the BPR. We hope it would accelerate the absorption of KUR credits," the minister noted, expressing the hope that the BPR and cooperatives would boost their performance so that the linkage program turns out to be effective.
         Pospayoga said until the end of March, some Rp28 trillion of the micro loans had been distributed to the SMEs so that on an  average, the government, through its distributor banks/financial institutions, was able to disburse about Rp9 trillion every month.
         The government is giving serious attention to the development of SMEs because they serve as the main pillar of the country's economy.
         According to Sudhamek of the National Industry and Economic Committee (KEIN), the SMEs constitute an important pillar of the national economy, which contributes 57 percent to the regional gross domestic product (GDP).
        "Of the 125 million members of the country's workforce, some 118 million belong to the SMEs," Sudhamek said in Padang, West Sumatra, on Tuesday (April 19).***3*** (A014/INE)
EDITED BY INE/H-YH(T.A014/A/BESSR/A/Yosep) 20-04-2016 23:34:4

Tidak ada komentar:

Posting Komentar