- 2 years ago
Menteri Keuangan Sri Mulyani mengingatkan perbankan untuk mempercepat penyaluran pinjaman Kredit Usaha Rakyat (KUR) hingga mencapai target Rp297 triliun sampai akhir 2023.
Sri Mulyani menekankan hal tersebut, karena hingga akhir September 2023, pinjaman KUR yang terealisasi baru sebesar Rp177,5 triliun.
Menkeu menjelaskan, penyaluran KUR sedikit tersendat pada semester I 2023. Dengan demikian, percepatan penyaluran KUR diharapkan bisa membantu banyak UMKM, yang selama ini juga telah dan menjadi pelanggan dari KUR.
Sri Mulyani menekankan hal tersebut, karena hingga akhir September 2023, pinjaman KUR yang terealisasi baru sebesar Rp177,5 triliun.
Menkeu menjelaskan, penyaluran KUR sedikit tersendat pada semester I 2023. Dengan demikian, percepatan penyaluran KUR diharapkan bisa membantu banyak UMKM, yang selama ini juga telah dan menjadi pelanggan dari KUR.
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TVTranscript
00:00 The government continues to push for the distribution of public business loans as part of the economic policy package at the end of the year.
00:07 The Minister of Finance urges banks to push for loans more quickly so that the real sectoral resilience can be maintained in the midst of the tight-knit Bunga Chua tribe.
00:20 The government ensures that it will push for the distribution of public business loans or KUR as part of the economic policy package at the end of the year in facing external and financial situations.
00:31 The Ministry of Finance notes that the implementation of the distribution of KUR until September 2023 has reached 177.5 trillion.
00:41 This figure is still far from the target of 297 trillion.
00:47 The Minister of Finance, Sri Mulyani Indrawati, admits that it will continue to push for the distribution of KUR more quickly and accelerated in the fourth quarter of this year.
00:56 In addition, the ministry also asks banks to do hard work in the distribution of KUR.
01:02 Because the KUR flowers have been subsidized by the APBN, it is hoped that the community can benefit from the credit bank in the middle of the tight-knit Bunga Chua tribe.
01:12 Therefore, we ask that this program be accelerated so that it can reach the target of 297 trillion.
01:20 Until September, the new KUR will be realized at 177.5 trillion.
01:28 Therefore, we ask especially banks, KUR distributors, the largest is probably BRI in this month, to make extra efforts.
01:39 Distribute the people's business credit that is subsidized by the flowers.
01:45 The Ministry of Finance notes that around 120 trillion KUR funds are ready to be distributed in October to December this year.
01:54 To do that, banks are asked to accelerate small and medium-sized credit to help support the real sector in the country.
02:02 From Jakarta, Rahar Jopat, Mowo Ideas Channel.
02:06 [Music]
02:08 Yes, the chairman of the Committee on Optimization of People's Business Credit Distribution until the end of 2023,
02:14 we have been together through Zoom with Sarmila Yahya, who is the Chairperson of the Indonesian Cadin Business Commission.
02:20 Good morning, Mrs. Sarmila.
02:22 Yes, hello, good morning.
02:26 Sir, can you hear me?
02:29 Yes, I can hear you.
02:30 How are you, Mrs. Sarmila?
02:33 Okay, I'm fine. I hope you're fine.
02:36 Yes, thank you for the opportunity.
02:38 As mentioned earlier, the Ministry of Finance notes that the realization of the distribution of people's business credit per September is only 59 percent.
02:47 From the 2023 PBN budget, it is 297 trillion.
02:52 What is the opinion of the Cadin, Mrs. Sarmila?
02:55 Yes, sir. In 2023, it should be 297 trillion.
03:03 Now it is estimated to be 75 trillion.
03:10 There are still 120 trillion left.
03:13 So there are 120 trillion until the end of this year that have not been distributed.
03:19 We see that there is a concern on the part of the distributors, or the distributors' banks, or the distributors' partners.
03:31 Because this figure is not exclusive to the distributors' banks, but there are several non-bank institutions, such as corporations and finance.
03:43 I see it like that, sir.
03:45 Yes, maybe we can see the realization.
03:50 Maybe there has been a distribution so far, sir.
03:54 What is the percentage of banks?
03:56 Then what is the percentage of non-banks?
04:00 Maybe it can be evaluated later, sir.
04:02 Who has not yet met the target that must be given.
04:07 Speaking of the element of caution, which part is more? Is it the distribution of credit to the UMKM actors because of the risk level or is there something else?
04:18 Yes, sir. Now, the distribution of funds is mostly in the field of agriculture, sir.
04:25 I see the most after the trade is agriculture.
04:31 Now, agriculture is now because of the extreme weather, hot, for example, El Nino and so on.
04:40 There is a problem, sir, in our agriculture.
04:44 So it doesn't meet the target, sir.
04:48 It doesn't meet the target, huh?
04:51 Yes, it decreases the agricultural yield.
04:53 So it has an impact on payment from the fund itself.
05:00 So the bank wants to be careful, sir.
05:03 But from the UMKM actors themselves, it seems that their interest in getting help from the people's business credit is still high or there is a little resistance there, considering the conditions earlier.
05:15 As you said, if we talk about the agricultural sector, with the long El Nino.
05:21 Yes, sir, if the name of the business is what they want to be restructured, the funds, if there is a problem, they want to be helped all the time.
05:33 If there is any antipathy towards capital, then until today, that's all, sir.
05:38 Because this school has been running for more than 20 years, sir.
05:41 This program has been running since before the UMKM, sir.
05:45 But when the FDI was called, the people's business credit was reduced again.
05:51 What do you think needs to be done to boost the people's business credit again?
05:56 As you said earlier, there are 120 trillion left, the number of million that can be spent until the end of the year or not?
06:05 Yes, in two months, 60 days, sir.
06:08 So in 60 days, I suggest that number one, involve the district districts, yes, sir.
06:18 BPD, yes, BPD, BPD, the district is much better, sir.
06:23 So now there must be an evaluation, sir.
06:28 Maybe later with IDX channel, at the end of the year, maybe we can make a kind of research, sir.
06:34 We know from BPD, IDX channel, from some of the bank transfers, and non-bank, how many percent of each person contributes, sir.
06:44 Towards the total number of transfers, sir.
06:47 Maybe we can discuss in the next episodes, I forgot to tell you.
06:51 So we know who is the most profitable to give the most money.
06:56 Whether it's the district bank, or the banks, or the government banks, or the private banks, sir.
07:05 Okay, but let's try to increase the effort that was said earlier by Mrs. Seri Momoyani,
07:13 that there must be a stronger effort for banks or other exchange transfer institutions
07:20 to be able to distribute the remaining funds from the target amount to Rp. 297 trillion.
07:26 What do you see, what strategy should be applied if there really is an effort that needs to be strengthened there?
07:33 Rp. 120 trillion in two months, sir, until the end of December, let's say the last 20 December, sir.
07:40 So if I say the best effort that must be done, first we have to go straight to the district, sir.
07:48 So the amount of transfers, actually, sir, if I've talked to you a few times before,
07:58 the largest amount of transfers is in Java, sir.
08:01 In the Pacific Ocean, sir.
08:03 From Banten to Bali, sir.
08:05 That's the most, sir.
08:07 The second most is Sumatra Island, sir.
08:12 That's 10 provinces.
08:14 And then the last one is East Indonesia, sir.
08:18 It's actually 21 provinces now, sir.
08:22 That's the smallest UMKM.
08:24 So if you want the best effort, it must be done, first, in Java.
08:31 From Banten to Bali, it's prioritized, sir.
08:36 Because that's also the largest UMKM.
08:38 Okay.
08:39 Then the second is East Indonesia, sir.
08:45 The proportion is, Bali is 70%, Sumatra is 20%, and 10% in East Indonesia, sir.
08:55 From the conditions for us to get the funds, do you think it's very easy or not?
09:00 So this may be a challenge for the UMKM.
09:04 It's easy, sir. In my opinion, it's easy. There's no problem.
09:08 Okay.
09:09 Yes, there's no problem.
09:10 But now, who gets it, I still don't know, sir.
09:15 Who gets the funds.
09:16 I've never gotten a fund, sir.
09:18 I always get commercial.
09:20 Yes, yes, yes.
09:21 So I don't know who gets the funds.
09:25 Because I said, there should be changes, sir.
09:28 The good ones should be the ones who are supported by the funds.
09:31 We, the good ones, are supported by the funds.
09:33 So if the bad ones are the ones who are in trouble,
09:36 the trouble is the one who is in trouble, the one who is in trouble is the one who is in trouble.
09:39 Yes, yes, yes.
09:40 If we talk about the UMKM sector,
09:43 which sector is optimal to use the funds?
09:46 And which sector is not yet?
09:48 Hold on to the answer, sir. We'll be back in a moment.
09:51 And, viewers, we'll be back after the interview.
09:54 Yes, you're still watching Market Review.
09:56 And next, we'll try to convey data related to the realization
10:00 of the distribution of the Indonesian People's Entrepreneurship Credit.
10:04 From 2018 to 2023,
10:08 this is the latest data.
10:10 It has reached around 120 trillion in total.
10:16 297.
10:17 So the remaining 120 that have been distributed,
10:20 177.5 trillion rupiah per September 2023.
10:24 We see the trend, 2018, 120.
10:27 2019, 140.
10:29 Then it continues to 2022,
10:32 it's recorded at 365.5 trillion rupiah.
10:36 Meanwhile, the target for this year is 297 trillion rupiah.
10:40 Next, we see there is a national bank.
10:43 As a core distributor in 2023,
10:46 there is Bangbandiri, BNI, BRI, BTN, and also BSI,
10:51 Bank Sarjah Indonesia.
10:53 Let's continue the discussion with Mrs. Sarmila Yahya.
10:57 Alright, Mrs. Sarmila, we'll continue.
11:00 If we look at the realization of the distribution of the credit,
11:03 you said there are several areas that are dominated,
11:06 Jawa Bali, then Sumatra, and then the new East Indonesia.
11:10 So how can we optimize the distribution
11:14 of the remaining 120 trillion of the credit?
11:18 Okay.
11:20 While I was waiting in this break session,
11:25 I saw that 120 trillion,
11:28 if we divide it, it's only 500 million.
11:31 Because 500 million is good for business,
11:36 for small businesses.
11:39 500 million is to set up a business that is not too micro.
11:44 500 million is one person getting a tour.
11:47 That's only 240 people, sir.
11:50 So I'm sure this will be over, sir.
11:53 Okay.
11:55 So if the value is that big?
11:57 So if the value is 120 trillion,
11:59 it's divided by 500 million per person getting a tour.
12:04 If it's me, it's already billions, sir.
12:06 But if you take 500 million,
12:09 for a good business,
12:12 500 million means only 240 people.
12:16 That's it, sir. Just give it to the board, sir.
12:18 We'll take care of it.
12:19 Okay, okay.
12:21 But if it's from this side,
12:23 500 million is not a suitable thing.
12:26 In other words, we need to see the classification of the UMKM
12:29 that can get a tour fund,
12:30 how much is the ideal?
12:32 Or just directly, if you want to be optimal,
12:34 500 million per person or per business owner?
12:38 Yes, sir. For 500 million, in my opinion,
12:42 the business whose monthly turnover is around 5 billion, sir.
12:46 Okay.
12:47 That's it, sir.
12:48 5 to 10 billion, the category is like that, sir.
12:52 What fields are there?
12:54 Well, in the field of food, culinary, sir.
12:58 That's good, sir.
12:59 Then, service, sir.
13:01 There are so many programs.
13:04 So service and UMKM culinary,
13:08 store, grocery,
13:10 to pay change, sir.
13:11 Retail, sir.
13:12 That's good, sir.
13:13 That's 240 people, sir.
13:15 That's it.
13:16 The calculation results from Kadin, right?
13:18 And Kadin is ready to help if the funds are given by Kadin.
13:21 Oh yes, sir.
13:22 Yes, sir.
13:23 Very ready, sir.
13:24 Especially only 240 people, sir.
13:26 Oh, it's really small.
13:27 From our UMKM amount,
13:29 which is 97 million or several billion.
13:32 Okay, but on the side,
13:33 talking about how the ability to return the loan funds,
13:37 there will be NPL there,
13:39 which may be an element of concern
13:42 and applied by the bank or other loan sharks.
13:46 Yes, sir.
13:47 So, it's like this, sir.
13:48 It has been proven that if possible,
13:51 all 240 people are women, sir.
13:54 It's back and forth, sir.
13:56 I guarantee 1000%.
13:58 Okay.
13:59 Usually, if the loan sharks are women,
14:03 it's much better, sir.
14:05 They have a higher moral responsibility,
14:09 if the loan is given by the bank.
14:14 I'm not saying you are wrong,
14:16 but you have a lot of responsibilities,
14:18 and you have a big responsibility.
14:19 So, sometimes you are a bit crazy for other people.
14:21 Okay.
14:22 From the side of the debt or credit flow,
14:24 is this one of the factors of consideration,
14:26 for example, for UMKM actors
14:28 to request loan funds from the bank?
14:32 Sir, now everything is using debt.
14:36 Except for digital loans, which are not using debt.
14:39 But there are also some poor people,
14:41 up to 5 million, if I'm not mistaken, without debt.
14:43 Even up to 500, there are some,
14:45 if it's good,
14:46 there are those who are responsible,
14:50 there are guarantors,
14:51 it can be done without debt.
14:53 So, no issue.
14:55 Actually, now,
14:57 if the debt becomes a hindrance, sir.
15:02 So, actually, if the trust between them,
15:06 when the payment is done,
15:09 the track record is good,
15:11 it's also possible.
15:12 But the problem is like this,
15:13 in the previous episode,
15:15 the trust, do you remember?
15:17 We said,
15:18 if they give a good loan,
15:20 they will also file a complaint,
15:21 and ask for a reduction in the amount.
15:23 Do you remember, sir?
15:24 At that time, the amount was reduced.
15:26 And this is also one of the challenges.
15:28 There are some people who will be cleared,
15:30 but I don't know who will be cleared first.
15:32 Yes, I remember, sir.
15:33 Yes, the book will be deleted.
15:34 Until now, I don't know who will be deleted.
15:36 And which bank will be affected.
15:38 I see it here.
15:39 Just an example.
15:41 There is a name,
15:44 which surprised me,
15:45 and it has been closed.
15:47 It's called Indosuria.
15:49 Indosuria is also a distributor.
15:52 And it's already closed,
15:54 because there are many problems.
15:55 There is a debt of several trillion
15:57 in their place,
15:58 and there are internal problems.
16:00 So, sir.
16:02 So, the distributor is not just BUM, sir.
16:06 So, there are,
16:07 I see,
16:09 there are more than 30.
16:12 More than 30.
16:14 Okay, other distributor institutions.
16:16 Not just what you showed on the screen, sir.
16:19 Yes.
16:20 Okay.
16:21 If we talk,
16:23 this is related to the agunan earlier.
16:25 That's the government.
16:26 President Jokowi recently gave
16:28 one statement,
16:30 so that the CUR will no longer use agunan,
16:32 but credit scoring.
16:34 This is the response from Kadin's friends.
16:36 How is it?
16:37 Is it one of the things that will also lighten
16:40 or facilitate the distribution of CUR?
16:42 Yes, sir.
16:43 So, credit scoring is actually much higher,
16:47 proportionally,
16:48 in the assessment,
16:49 compared to agunan.
16:51 Oh, okay.
16:52 Because credit scoring
16:54 looks at the activity of the character,
16:58 then the financial activity
17:00 of some indicators
17:04 in assessing someone
17:07 in deciding whether or not
17:10 to pay off the credit or not,
17:12 it should be proportionally higher, sir.
17:16 Credit scoring.
17:17 So, abroad,
17:19 the valuation is about
17:21 70% credit scoring, sir.
17:23 20% is agunan.
17:25 Don't let the agunan be good,
17:28 but the person's character is not good,
17:30 the payment can't be seen
17:32 from the credit scoring,
17:33 the value is small, sir.
17:35 It can't be.
17:36 Agunan is actually a guarantee,
17:38 just an addition.
17:39 What is actually far away is the credit scoring, sir.
17:42 I really agree with President Jokowi
17:44 to say that, sir.
17:45 Oh, okay.
17:46 That's it.
17:47 If we look at it from the other side,
17:50 from Kadin.
17:51 If we talk about
17:53 Rp177.5 trillion that has been spent,
17:56 we will review,
17:57 can it really move
17:59 the economy of Indonesia,
18:00 creating jobs there?
18:02 Relative, sir.
18:06 That's 59%, sir.
18:08 Of course, the MSMEs
18:10 will definitely create jobs,
18:13 but will it increase
18:14 or stay?
18:15 Because we just got COVID-19, sir.
18:18 So they are starting to look back
18:23 at the economy.
18:25 But it's not easy today, sir.
18:28 So I see there are indeed
18:30 a decline in the purchasing power of the people.
18:33 They are more careful now
18:36 than before.
18:37 If it was very consumptive,
18:39 now it's more...
18:40 Independent, right?
18:41 It's more specific, the spending.
18:42 Yes, the spending is more
18:44 choosing which is the most important.
18:46 It's been smart since COVID-19,
18:48 there have been many changes.
18:50 Okay.
18:51 Lastly, how do you see the optimism
18:53 this year,
18:54 this year's political,
18:55 and next year we know
18:56 there will be a referendum there.
18:58 Will the MSMEs
18:59 also become the focus of the government?
19:01 And then later,
19:02 how about the candidates,
19:04 our national leaders,
19:06 in that they see the MSMEs
19:08 as the supporters of the national economy?
19:11 I'm optimistic, sir.
19:13 100 days more, sir.
19:14 100 days more, sir.
19:16 14th of February,
19:19 2024.
19:21 100 days more.
19:23 I hope all MSMEs
19:25 will use their voices
19:27 because all the elected leaders
19:29 who will win later,
19:30 they all think about the MSMEs.
19:32 And I read the message, sir.
19:35 All of them are MSME supporters.
19:37 Whoever is elected.
19:39 So we don't have to worry.
19:41 We just have to choose the best
19:43 from their hearts.
19:45 I'm optimistic, sir.
19:47 Whoever is the president,
19:49 we will still discuss the MSMEs.
19:51 Okay, thank you.
19:53 Mrs. Sarmila,
19:54 for your time,
19:55 we would like to thank you.
19:57 I hope this will be a new insight
19:58 on the development of MSMEs in Indonesia,
20:01 especially with the previous one,
20:03 how this course can be one of the boosters
20:06 to support the activities of the national economy.
20:09 So, good luck, sir.
20:10 240 people only.
20:12 I'm not that excited.
20:14 Okay.
20:15 We will try to get the government's support
20:17 to get through this.
20:20 Thank you, sir.
20:22 I will talk to you later.
20:23 See you again, Mrs. Sarmila.
20:24 Thank you, sir.
20:25 Stay healthy.
20:26 Thank you.
20:27 Assalamualaikum.
20:28 Waalaikumsalam.
20:29 Waalaikumsalam.
20:30 I'm Prasetya Wibowo,
20:32 your host for today's market review.
20:34 Thank you and see you next time.
20:36 [Music]
20:38 [Music]
21:07 [Music]
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