Ada Pertanyaan? Hubungi Kami 
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Ada Pertanyaan? Hubungi Kami Anne Aprina Priskila, Fathan Qorib
Empowering small-medium enterprises is one of the main issues currently being highlighted by both the government and the House of Representatives. One step that can be taken in this regard is to establish a legal framework on guarantees (penjaminan), which could be utilized by SMEs to obtain financing and other necessary resources.The House is taking the lead role in bringing a Draft Bill into reality, by incorporating it as one of the prioritized draft bills under the 2015 National Legislation Program. Previously, the government submitted a similar proposal in 2006, but the plan went into limbo.
Ade Komarudin, the leader of the Functional Group (Golkar) Party faction at the House, believes that the Draft Bill will boost SMEs empowerment to a higher level.
“It proves that the Government is paying attention to SMEs by giving access to and tools for development," said Mr. Ade in Jakarta on Wednesday.
It is well established that SMEs play a vital role in the Indonesian economy, commanding approximately 57.9 million businesses in 2013 and still growing. Most of them are engaged in farming, fisheries, livestock breeding, mining, crafts, trading and a multitude of other services. Unfortunately, statistic indicate that only about 39.18% or 22.15 million SME businesses have been able to access credit from banks. The remaining of 34.38 million have not been able to gain access to bank financing.
As an alternate option to bank financing, Mr. Ade shared one success story of a pro-poor financing scheme called the Peoples Business Credit Program (Kredit Usaha Rakyat - KUR).
KUR uses an economic-friendly financing mechanism and utilizes a constructive security system that not only helps out the unprivileged but also supports them in developing their businesses. Therefore, it seems reasonable to believe that a proper legal framework on guarantees will reduce the interest gap between financing institutions and security institutions.
Supporting the same idea, M. Misbakhun, member of Commission XI at the House adds that the Draft Bill may promote banking intermediation in both the conventional and sharia systems. In the future, with a progressive framework, access to financing for development can be broadened not only for SMEs but also for larger companies.
Looking ahead, if such access to funding is made available, the development of other economic-related sectors such as agriculture, fishery, infrastructure and housing should not become a reality.
(hot/kc)
Anne Aprina Priskila, Fathan Qorib
Empowering small-medium enterprises is one of the main issues currently being highlighted by both the government and the House of Representatives. One step that can be taken in this regard is to establish a legal framework on guarantees (penjaminan), which could be utilized by SMEs to obtain financing and other necessary resources.The House is taking the lead role in bringing a Draft Bill into reality, by incorporating it as one of the prioritized draft bills under the 2015 National Legislation Program. Previously, the government submitted a similar proposal in 2006, but the plan went into limbo.
Ade Komarudin, the leader of the Functional Group (Golkar) Party faction at the House, believes that the Draft Bill will boost SMEs empowerment to a higher level.
“It proves that the Government is paying attention to SMEs by giving access to and tools for development," said Mr. Ade in Jakarta on Wednesday.
It is well established that SMEs play a vital role in the Indonesian economy, commanding approximately 57.9 million businesses in 2013 and still growing. Most of them are engaged in farming, fisheries, livestock breeding, mining, crafts, trading and a multitude of other services. Unfortunately, statistic indicate that only about 39.18% or 22.15 million SME businesses have been able to access credit from banks. The remaining of 34.38 million have not been able to gain access to bank financing.
As an alternate option to bank financing, Mr. Ade shared one success story of a pro-poor financing scheme called the Peoples Business Credit Program (Kredit Usaha Rakyat - KUR).
KUR uses an economic-friendly financing mechanism and utilizes a constructive security system that not only helps out the unprivileged but also supports them in developing their businesses. Therefore, it seems reasonable to believe that a proper legal framework on guarantees will reduce the interest gap between financing institutions and security institutions.
Supporting the same idea, M. Misbakhun, member of Commission XI at the House adds that the Draft Bill may promote banking intermediation in both the conventional and sharia systems. In the future, with a progressive framework, access to financing for development can be broadened not only for SMEs but also for larger companies.
Looking ahead, if such access to funding is made available, the development of other economic-related sectors such as agriculture, fishery, infrastructure and housing should not become a reality.
(hot/kc)