A number of Regional Development Banks (BPD) remain committed to\nstrengthening Micro, Small and Medium Enterprises (MSMEs) so they can\nmove up a class and improve their competitiveness. This is not without\nreason, as MSMEs are still considered one of the pillars of economic\ngrowth in various regions, for example in Bali.<\/p>\n
Director of Operations of PT Bank Pembangunan Daerah Bali (Bank BPD\nBali), I Komang Wiratna Jaya, said that his party will continue to\nprovide assistance, including providing learning related to financial\nmanagement so that MSMEs in Bali can move up a class.<\/p>\n
\u201cThe challenge for MSMEs is that they still manage finances\nconventionally. Not to mention that their business finances are still\nmixed with daily life. Therefore, we assist them according to their\nworking areas,\u201d Komang said at the Regional Bank Summit 2026 Batch 2\nwith the theme \u201cBPD Strategy to Encourage Regional Economic\nIndependence\u201d, Friday (28\/8\/2026).<\/p>\n
Komang further said that Bank BPD Bali seriously supports the\nexpansion of the MSME market, including participating in exhibitions,\nand providing an MSME corner in every branch office.<\/p>\n
In addition, Bank BPD Bali also continues to support financial\nliteracy, including various banking products, and the potential that\nMSMEs can use.<\/p>\n
\u201cFrom the BPD Bali side, we continue to develop financing products\naccording to the needs of MSMEs, including with interest rates that are\nexpected not to be too far from the interest rates provided by the\ngovernment for MSMEs,\u201d Komang detailed.<\/p>\n
Similar to BPD Bali, Bank Lampung or the Regional Development Bank of\nLampung also supports MSMEs in Indonesia to move up a class. One way is\nby increasing the portion of financing to productive sectors such as\nMSMEs.<\/p>\n
President Director of Bank Lampung Indra Merviana explained that this\neffort is being made considering that the mix of productive credit is\ncurrently still low.<\/p>\n
\u201cToday we still rely on deposits. We are increasing current accounts\nand savings, so that we can make credit interest rates competitive for\nMSMEs. In addition, we are also completing the institutional\nstrengthening agenda, building digital capabilities and reliable human\nresources to support MSMEs to grow further,\u201d Indra detailed.<\/p>\n
Indra explained that currently credit distribution is still dominated\nby the consumptive segment with a portion reaching 73% and the\nproductive segment has only reached 27%.<\/p>\n
\u201cThat is our homework. We are shifting towards productive. We are\npreparing for KUR in the micro segment, commercial working models, also\nMSMEs, including supply chain financing,\u201d he said.<\/p>\n
Meanwhile, the sectors that BPD Lampung will target are agriculture\nand the rest for the trade sector. According to him, the agricultural\nsector is a work programme of the governor and regional government.<\/p>\n
\u201cFor the sector, the highest according to the work programme of the\ngovernor and regional government is agriculture, which has reached\nalmost 30%, 28%,\u201d Indra explained.<\/p>\n
Indra said that the MSME sector in Lampung still has resilience and\nflexibility amidst various economic challenges. He gave examples of\nthese MSMEs, including cassava processing, coffee, corn, fisheries, and\ntrade in basic necessities.<\/p>\n
\u201cSo the demand is relatively stable. Whatever the economic\nconditions, they can still survive the cycle,\u201d he stressed.<\/p>", "url": "https:\/\/jawawa.id\/newsitem\/boosting-competitiveness-how-regional-development-banks-strengthen-indonesian-msmes-1787910689", "image": "" }, "sponsor": "Okusi Associates", "sponsor_url": "https:\/\/okusiassociates.com" }