BSI Strengthens Halal MSME Financing, Acknowledges Data Remains a Hurdle

PT Bank Syariah Indonesia (BSI) is strengthening its support for micro, small, and medium enterprises (MSMEs) in the halal sector. The support provided ranges from financing and halal certification to business mentoring, aimed at helping MSMEs scale up their operations.

Yosita Nur Wirdayanti, VP of Business Strategy for the Islamic Ecosystem Group at BSI, stated that BSI’s development of the halal ecosystem refers to the roadmap established by the National Committee for Islamic Economy and Finance (KNEKS) and the Financial Services Authority (OJK). According to her, the connectivity between Islamic financial institutions and the Islamic economic ecosystem is a primary focus in industry development.

“BSI wants to play a role because we are the largest Sharia bank in Indonesia,” Yosita said during the Islamic Finance Dialogue at Soehana Hall, Jakarta, on Wednesday (1/7/2026).

She explained that one form of support for MSMEs is through the distribution of Sharia-compliant People’s Business Credit (KUR). Additionally, BSI provides various transaction services and financing tailored to the needs of business owners.

Yosita revealed that the proportion of MSME financing at BSI has reached more than 20 per cent of the company’s total financing. “This means that, as a bank, we are indeed entering the MSME segment,” she said.

Beyond financing, BSI is also collaborating with the Halal Product Assurance Agency (BPJPH) and KNEKS to assist MSMEs in obtaining halal certification through the KHAS Zone programme. In terms of business development, BSI operates four MSME Centres located in Aceh, Surabaya, Makassar, and Kalimantan. The company also runs the BSI Entrepreneur Talent programme, which provides not only training but also mentoring for business owners and startups within the halal sector.