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Marcell Sihombing, Nando Narendra
The Financial Services Authority (OJK) recently established a research institution in a bid to improve Indonesia’s microfinance and financial-inclusion sector. The new research institution has been officially named the OJK International Center of Excellence for Microfinance and Financial Inclusion (Pusat Pengembangan Keuangan Mikro dan Inklusi – OJK Proksi).
The center was officially launched by Vice President M. Jusuf Kalla in Jakarta on Tuesday, 15 March 2016 at a launch which was also attended by Muliaman D. Hadad, Chairman of the Board of Commissioners at theOJK, AA Gede Ngurah Puspa Yoga, the Minister for Cooperatives and Micro- and Medium-Scale Businesses, and Kelly Bird, Director for the East-Asia Region at the Asian Development Bank (ADB).
“The OJK Proksi center is now officially launched,” announced Vice President Kalla as he sounded the gong to mark the opening of the center.
Commenting on this issue, Mr. Hadad asserted that the establishment of the OJK Proksi demonstrated the OJK’s commitment to supporting the development of the microfinance industry, which is seen as vital to the Indonesian economy.
“The microfinance industry plays an important role in poverty eradication via microfinance empowerment and literacy improvement. Microfinance institutions can also provide financial support for parties which usually find it hard to gain access to the financial industry,” asserted Mr. Hadad.
Mr. Hadad pointed out that OJK data revealed that the micro-, small- and medium-scale business sector (UMKM) makes a contribution of some 60% to the country’s Gross Domestic Product (GDP) income. Furthermore, the UMKM sector is also capable of absorbing some 97% of the country’s workforce. Based on these major contributions to the national economy, it is considered vital that the OJK grants greater financing access for UMKMs.
“In order to promote their development, access to financing for UMKMs needs to be enhanced even more,” asserted Mr. Hadad.
In the future, the OJK Proksi will thus aim to develop knowledge and groundbreaking inventions in the context of an effective business model for the microfinance and financial-inclusion sector. This business model must be actually applicable, and not just a conceptual theory, so that it can be easily implemented by various business practitioners, financial experts, academics, as well as across communities.
Aside from evaluating the various regulatory frameworks applicable in the microfinance and financial-inclusion sectors, it is hoped that the OJK Proksi will be able to promote initiatives which will further develop these sectors. By way of example, the OJK Proksi can engage in theme-based research, establish data centers and develop micro-financing institution (LKM) information systems and publications, as well as organize seminars.
During his presentation speech, Vice President Kalla lauded the establishment of the OJK Proksi. According to the Vice President, a better and well-distributed national financial system should be able to tackle the country’s wealth disparity problems. However, Kalla stressed that the financial system was only the motor that set the economic gears in motion.
Vice President Kalla also pointed out that high interest rates were currently burdening the country’s citizens, especially middle- to low-income citizens. Mr. Kalla expressed his wish that the OJK Proksi would be able to help citizens in this regard and would prove especially useful to UMKMs as they struggle to gain access to inclusive financing.
Working Mechanism
Referring to the OJK Proksi’s working mechanism, Mr. Hadad stated that the institution would incorporate various parties into its team, including foreign and domestic experts, researchers, and businesses. Indeed, according to Mr. Hadad, several universities, such as Universitas Gadjah Mada, Universitas Khatolik Atma Jaya, and Universitas Negeri Sebelas Maret (UNS), are already showing enthusiasm as regards cooperating with the OJK Proksi.
“In the future, we will invite domestic universities and international experts to work together in the development of designs and products which will prove suitable for the microfinance sector. We will also involve high-ranking officials from banks, therefore obligating banks to implement any relevant inventions according to instructions issued by such officials,” asserted Mr. Hadad.
Mr. Hadad also asserted that the OJK Proksi would open up branches across various regions outside Jakarta, as well as involve universities and the leaders of each respective region in their operations. It is thus hoped that it will become easier to evaluate the progress of projects which are situated in such regions. In the meantime, according to Mr. Hadad, the OJK Proksi will continue to evaluate several regulations across the microfinance sector.
The OJK Proksi will also carry on its search for the most suitable model or design for the structuring of inclusive loans, specifically for middle- to low-income citizens. The OJK Proksi itself is now fully operational, and its inaugural program involves the organization of a seminar to be attended by experts from the ADB, the Islamic Development Bank (IDB), the International Finance Corporation (IFC), and other international agencies.
“In the future, the OJK Proksi will evaluate whether a regulation is really necessary or should be revoked in order to spur greater access to financing. The OJK Proksi will also increase the capacity of business practitioners through various training and capacity-building events. Moreover, the OJK Proksi will be focusing its energies upon the underlying objective behind the invention of financial products, namely to meet the needs of low-income citizens. We [the OJK Proksi] fully intend to increase the number of available micro-financing options,” concluded Mr. Hadad.
(rfs/sp)
OJK's Office. Photo by: RES.
The Financial Services Authority (OJK) recently established a research institution in a bid to improve Indonesia’s microfinance and financial-inclusion sector. The new research institution has been officially named the OJK International Center of Excellence for Microfinance and Financial Inclusion (Pusat Pengembangan Keuangan Mikro dan Inklusi – OJK Proksi).
The center was officially launched by Vice President M. Jusuf Kalla in Jakarta on Tuesday, 15 March 2016 at a launch which was also attended by Muliaman D. Hadad, Chairman of the Board of Commissioners at theOJK, AA Gede Ngurah Puspa Yoga, the Minister for Cooperatives and Micro- and Medium-Scale Businesses, and Kelly Bird, Director for the East-Asia Region at the Asian Development Bank (ADB).
“The OJK Proksi center is now officially launched,” announced Vice President Kalla as he sounded the gong to mark the opening of the center.
Commenting on this issue, Mr. Hadad asserted that the establishment of the OJK Proksi demonstrated the OJK’s commitment to supporting the development of the microfinance industry, which is seen as vital to the Indonesian economy.
“The microfinance industry plays an important role in poverty eradication via microfinance empowerment and literacy improvement. Microfinance institutions can also provide financial support for parties which usually find it hard to gain access to the financial industry,” asserted Mr. Hadad.
Mr. Hadad pointed out that OJK data revealed that the micro-, small- and medium-scale business sector (UMKM) makes a contribution of some 60% to the country’s Gross Domestic Product (GDP) income. Furthermore, the UMKM sector is also capable of absorbing some 97% of the country’s workforce. Based on these major contributions to the national economy, it is considered vital that the OJK grants greater financing access for UMKMs.
“In order to promote their development, access to financing for UMKMs needs to be enhanced even more,” asserted Mr. Hadad.
In the future, the OJK Proksi will thus aim to develop knowledge and groundbreaking inventions in the context of an effective business model for the microfinance and financial-inclusion sector. This business model must be actually applicable, and not just a conceptual theory, so that it can be easily implemented by various business practitioners, financial experts, academics, as well as across communities.
Aside from evaluating the various regulatory frameworks applicable in the microfinance and financial-inclusion sectors, it is hoped that the OJK Proksi will be able to promote initiatives which will further develop these sectors. By way of example, the OJK Proksi can engage in theme-based research, establish data centers and develop micro-financing institution (LKM) information systems and publications, as well as organize seminars.
During his presentation speech, Vice President Kalla lauded the establishment of the OJK Proksi. According to the Vice President, a better and well-distributed national financial system should be able to tackle the country’s wealth disparity problems. However, Kalla stressed that the financial system was only the motor that set the economic gears in motion.
Vice President Kalla also pointed out that high interest rates were currently burdening the country’s citizens, especially middle- to low-income citizens. Mr. Kalla expressed his wish that the OJK Proksi would be able to help citizens in this regard and would prove especially useful to UMKMs as they struggle to gain access to inclusive financing.
Working Mechanism
Referring to the OJK Proksi’s working mechanism, Mr. Hadad stated that the institution would incorporate various parties into its team, including foreign and domestic experts, researchers, and businesses. Indeed, according to Mr. Hadad, several universities, such as Universitas Gadjah Mada, Universitas Khatolik Atma Jaya, and Universitas Negeri Sebelas Maret (UNS), are already showing enthusiasm as regards cooperating with the OJK Proksi.
“In the future, we will invite domestic universities and international experts to work together in the development of designs and products which will prove suitable for the microfinance sector. We will also involve high-ranking officials from banks, therefore obligating banks to implement any relevant inventions according to instructions issued by such officials,” asserted Mr. Hadad.
Mr. Hadad also asserted that the OJK Proksi would open up branches across various regions outside Jakarta, as well as involve universities and the leaders of each respective region in their operations. It is thus hoped that it will become easier to evaluate the progress of projects which are situated in such regions. In the meantime, according to Mr. Hadad, the OJK Proksi will continue to evaluate several regulations across the microfinance sector.
The OJK Proksi will also carry on its search for the most suitable model or design for the structuring of inclusive loans, specifically for middle- to low-income citizens. The OJK Proksi itself is now fully operational, and its inaugural program involves the organization of a seminar to be attended by experts from the ADB, the Islamic Development Bank (IDB), the International Finance Corporation (IFC), and other international agencies.
“In the future, the OJK Proksi will evaluate whether a regulation is really necessary or should be revoked in order to spur greater access to financing. The OJK Proksi will also increase the capacity of business practitioners through various training and capacity-building events. Moreover, the OJK Proksi will be focusing its energies upon the underlying objective behind the invention of financial products, namely to meet the needs of low-income citizens. We [the OJK Proksi] fully intend to increase the number of available micro-financing options,” concluded Mr. Hadad.
(rfs/sp)
Marcell Sihombing, Nando Narendra
The Financial Services Authority (OJK) recently established a research institution in a bid to improve Indonesia’s microfinance and financial-inclusion sector. The new research institution has been officially named the OJK International Center of Excellence for Microfinance and Financial Inclusion (Pusat Pengembangan Keuangan Mikro dan Inklusi – OJK Proksi).
The center was officially launched by Vice President M. Jusuf Kalla in Jakarta on Tuesday, 15 March 2016 at a launch which was also attended by Muliaman D. Hadad, Chairman of the Board of Commissioners at theOJK, AA Gede Ngurah Puspa Yoga, the Minister for Cooperatives and Micro- and Medium-Scale Businesses, and Kelly Bird, Director for the East-Asia Region at the Asian Development Bank (ADB).
“The OJK Proksi center is now officially launched,” announced Vice President Kalla as he sounded the gong to mark the opening of the center.
Commenting on this issue, Mr. Hadad asserted that the establishment of the OJK Proksi demonstrated the OJK’s commitment to supporting the development of the microfinance industry, which is seen as vital to the Indonesian economy.
“The microfinance industry plays an important role in poverty eradication via microfinance empowerment and literacy improvement. Microfinance institutions can also provide financial support for parties which usually find it hard to gain access to the financial industry,” asserted Mr. Hadad.
Mr. Hadad pointed out that OJK data revealed that the micro-, small- and medium-scale business sector (UMKM) makes a contribution of some 60% to the country’s Gross Domestic Product (GDP) income. Furthermore, the UMKM sector is also capable of absorbing some 97% of the country’s workforce. Based on these major contributions to the national economy, it is considered vital that the OJK grants greater financing access for UMKMs.
“In order to promote their development, access to financing for UMKMs needs to be enhanced even more,” asserted Mr. Hadad.
In the future, the OJK Proksi will thus aim to develop knowledge and groundbreaking inventions in the context of an effective business model for the microfinance and financial-inclusion sector. This business model must be actually applicable, and not just a conceptual theory, so that it can be easily implemented by various business practitioners, financial experts, academics, as well as across communities.
Aside from evaluating the various regulatory frameworks applicable in the microfinance and financial-inclusion sectors, it is hoped that the OJK Proksi will be able to promote initiatives which will further develop these sectors. By way of example, the OJK Proksi can engage in theme-based research, establish data centers and develop micro-financing institution (LKM) information systems and publications, as well as organize seminars.
During his presentation speech, Vice President Kalla lauded the establishment of the OJK Proksi. According to the Vice President, a better and well-distributed national financial system should be able to tackle the country’s wealth disparity problems. However, Kalla stressed that the financial system was only the motor that set the economic gears in motion.
Vice President Kalla also pointed out that high interest rates were currently burdening the country’s citizens, especially middle- to low-income citizens. Mr. Kalla expressed his wish that the OJK Proksi would be able to help citizens in this regard and would prove especially useful to UMKMs as they struggle to gain access to inclusive financing.
Working Mechanism
Referring to the OJK Proksi’s working mechanism, Mr. Hadad stated that the institution would incorporate various parties into its team, including foreign and domestic experts, researchers, and businesses. Indeed, according to Mr. Hadad, several universities, such as Universitas Gadjah Mada, Universitas Khatolik Atma Jaya, and Universitas Negeri Sebelas Maret (UNS), are already showing enthusiasm as regards cooperating with the OJK Proksi.
“In the future, we will invite domestic universities and international experts to work together in the development of designs and products which will prove suitable for the microfinance sector. We will also involve high-ranking officials from banks, therefore obligating banks to implement any relevant inventions according to instructions issued by such officials,” asserted Mr. Hadad.
Mr. Hadad also asserted that the OJK Proksi would open up branches across various regions outside Jakarta, as well as involve universities and the leaders of each respective region in their operations. It is thus hoped that it will become easier to evaluate the progress of projects which are situated in such regions. In the meantime, according to Mr. Hadad, the OJK Proksi will continue to evaluate several regulations across the microfinance sector.
The OJK Proksi will also carry on its search for the most suitable model or design for the structuring of inclusive loans, specifically for middle- to low-income citizens. The OJK Proksi itself is now fully operational, and its inaugural program involves the organization of a seminar to be attended by experts from the ADB, the Islamic Development Bank (IDB), the International Finance Corporation (IFC), and other international agencies.
“In the future, the OJK Proksi will evaluate whether a regulation is really necessary or should be revoked in order to spur greater access to financing. The OJK Proksi will also increase the capacity of business practitioners through various training and capacity-building events. Moreover, the OJK Proksi will be focusing its energies upon the underlying objective behind the invention of financial products, namely to meet the needs of low-income citizens. We [the OJK Proksi] fully intend to increase the number of available micro-financing options,” concluded Mr. Hadad.
(rfs/sp)
OJK's Office. Photo by: RES.
The Financial Services Authority (OJK) recently established a research institution in a bid to improve Indonesia’s microfinance and financial-inclusion sector. The new research institution has been officially named the OJK International Center of Excellence for Microfinance and Financial Inclusion (Pusat Pengembangan Keuangan Mikro dan Inklusi – OJK Proksi).
The center was officially launched by Vice President M. Jusuf Kalla in Jakarta on Tuesday, 15 March 2016 at a launch which was also attended by Muliaman D. Hadad, Chairman of the Board of Commissioners at theOJK, AA Gede Ngurah Puspa Yoga, the Minister for Cooperatives and Micro- and Medium-Scale Businesses, and Kelly Bird, Director for the East-Asia Region at the Asian Development Bank (ADB).
“The OJK Proksi center is now officially launched,” announced Vice President Kalla as he sounded the gong to mark the opening of the center.
Commenting on this issue, Mr. Hadad asserted that the establishment of the OJK Proksi demonstrated the OJK’s commitment to supporting the development of the microfinance industry, which is seen as vital to the Indonesian economy.
“The microfinance industry plays an important role in poverty eradication via microfinance empowerment and literacy improvement. Microfinance institutions can also provide financial support for parties which usually find it hard to gain access to the financial industry,” asserted Mr. Hadad.
Mr. Hadad pointed out that OJK data revealed that the micro-, small- and medium-scale business sector (UMKM) makes a contribution of some 60% to the country’s Gross Domestic Product (GDP) income. Furthermore, the UMKM sector is also capable of absorbing some 97% of the country’s workforce. Based on these major contributions to the national economy, it is considered vital that the OJK grants greater financing access for UMKMs.
“In order to promote their development, access to financing for UMKMs needs to be enhanced even more,” asserted Mr. Hadad.
In the future, the OJK Proksi will thus aim to develop knowledge and groundbreaking inventions in the context of an effective business model for the microfinance and financial-inclusion sector. This business model must be actually applicable, and not just a conceptual theory, so that it can be easily implemented by various business practitioners, financial experts, academics, as well as across communities.
Aside from evaluating the various regulatory frameworks applicable in the microfinance and financial-inclusion sectors, it is hoped that the OJK Proksi will be able to promote initiatives which will further develop these sectors. By way of example, the OJK Proksi can engage in theme-based research, establish data centers and develop micro-financing institution (LKM) information systems and publications, as well as organize seminars.
During his presentation speech, Vice President Kalla lauded the establishment of the OJK Proksi. According to the Vice President, a better and well-distributed national financial system should be able to tackle the country’s wealth disparity problems. However, Kalla stressed that the financial system was only the motor that set the economic gears in motion.
Vice President Kalla also pointed out that high interest rates were currently burdening the country’s citizens, especially middle- to low-income citizens. Mr. Kalla expressed his wish that the OJK Proksi would be able to help citizens in this regard and would prove especially useful to UMKMs as they struggle to gain access to inclusive financing.
Working Mechanism
Referring to the OJK Proksi’s working mechanism, Mr. Hadad stated that the institution would incorporate various parties into its team, including foreign and domestic experts, researchers, and businesses. Indeed, according to Mr. Hadad, several universities, such as Universitas Gadjah Mada, Universitas Khatolik Atma Jaya, and Universitas Negeri Sebelas Maret (UNS), are already showing enthusiasm as regards cooperating with the OJK Proksi.
“In the future, we will invite domestic universities and international experts to work together in the development of designs and products which will prove suitable for the microfinance sector. We will also involve high-ranking officials from banks, therefore obligating banks to implement any relevant inventions according to instructions issued by such officials,” asserted Mr. Hadad.
Mr. Hadad also asserted that the OJK Proksi would open up branches across various regions outside Jakarta, as well as involve universities and the leaders of each respective region in their operations. It is thus hoped that it will become easier to evaluate the progress of projects which are situated in such regions. In the meantime, according to Mr. Hadad, the OJK Proksi will continue to evaluate several regulations across the microfinance sector.
The OJK Proksi will also carry on its search for the most suitable model or design for the structuring of inclusive loans, specifically for middle- to low-income citizens. The OJK Proksi itself is now fully operational, and its inaugural program involves the organization of a seminar to be attended by experts from the ADB, the Islamic Development Bank (IDB), the International Finance Corporation (IFC), and other international agencies.
“In the future, the OJK Proksi will evaluate whether a regulation is really necessary or should be revoked in order to spur greater access to financing. The OJK Proksi will also increase the capacity of business practitioners through various training and capacity-building events. Moreover, the OJK Proksi will be focusing its energies upon the underlying objective behind the invention of financial products, namely to meet the needs of low-income citizens. We [the OJK Proksi] fully intend to increase the number of available micro-financing options,” concluded Mr. Hadad.
(rfs/sp)