condition of small & micro business - world...
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CONDITION OF SMALL & MICRO BUSINESS IN INDONESIA
Kindisi Usaha Mikro
83.43%
15.84% 0.73%
Micro Business
Middle & Big BusinessUsaha Kecil
Number of Small and Micro
business equal to 99,27% or
reachs more than 44 million
From the amounts has just
around 21,16% which
has obtained allocation of
credit from banking
Big enough market share for credit
of micro sector
Small
Business
Micro business has lower ATMR (Basel II – Standardised Approach
– Other Retail) compared to commercial business, because of
”diversification” (portfolio effect)
Micro business is promising business, proven from level of
competition at this sector progressively mount.
Micro
Business
Citi Finance
Mikro
CONDITION OF SMALL & MICRO BUSINESS IN INDONESIA
Waktu
Maturitas usaha
Feasible Bankable
Kurva
perkembangan usaha
Maturity of business
Time
Curve of business growth
Extremly poors :
Not Feasible & Not Bankable
Financial Services in Poverty Alleviation Toolbox (Marguiret,2000)/ S-Curve
Economically active poors :
Feasible but Not Bankable
- New comer
- Colateral barrier
Feasible & Bankable
Have capacities to access Bank
Waktu
Maturitas usaha
Feasible Bankable
Kurva
perkembangan usaha
Maturity of business
Time
Curve of business growth
Directly grants or socialprograms to generateemployment, such as BKM(Badan KeswadayaanMasyarakat)
Mikro Bukopin
(Direct Loan)
S-Curve of MICRO BANK BUKOPIN
Micro Business of Bank Bukopin (exist)
Co-operations
BANK BUKOPIN
coopera
tio
n
• Modern Technology
• Management
• Working Capital
Bank Bukopin has developed “Swamitra” as a breakthrough concept
based on management of modern banking and recent technology
(Economic of Scale – Micro Banking)
Swamitra
“Is the name of cooperation/partnership
between Bank Bukopin and a cooperative
in the development and modernization
of the saving and loan business trough
the utilization of technological network
and support of management system in
order to have a wider and better scope
of financial transaction services ”.
Structure Organization Of Swamitra
Ops. Coordinator
Credit Support
Teller
Executive Member of Cooperative
Collector
BANK BUKOPIN
Manager
Account Officer
Internal Control
Swamitra’s Products
Funding
• Simpanan Swamitra : the same as deposit
• Simpanan Berjangka : the same as time deposit
Lending
• Loan for Working Capital
• Loan for Investment
Services
Swamitra provide services for payment point, such as electricity, water and telephone payment
Trend of Swamitra (exist)
Located in 128 kabupaten/sub-province
PARAMETERS DES 07 DES 08 AGUST 09 SEPT 09 OKT 09
ON-LINE SWAMITRA 387 464 476 476 481
ASSET (Billion) 670 886 1,029 1,037 1,047
SWAMITRA'S LOAN (Billion) 523 692 846 850 854
SWAMITRA'S FUNDING (Billion) 300 392 443 444 454
BUKOPIN'S LOAN (Billion) 250 345 442 447 443
SWAMITRA'S PROFIT (Billion) 27.78 38.41 30.96 33.59 39.21
BDR 18.99% 12.99% 14.23% 15.12% 14.92%
SWAMITRA'S DEBITORS 73,961 88,313 100,120 104,499 105,338
SWAMITRA'S CUSTOMERS 222,527 274,182 315,640 319,245 324,374
Loan Origination System
GPRS/ 3G Network
Customer Acquisition
Loan Origination
(Data Capture & Approval
Workflow)
Customer Management
Application
Decision
Agent
LOS Application
Database
SID, Internal/
External
Blacklistings
Core Banking
System (Account
Management)
Account Officer
Stations
Datawarehouse
Strategy/ Scorecard
Manager
Data Marts/
Cubes
Reports, Dashboard & Analysis
Behavioural
Decision
Agent
Behavioural
History Database
Variables
New limits, policies,
PD, EAD, LGD, etc
Data Transaksi &
Financials
External data (e.g.
data market)
Sumber-sumber
data lainnya
Data Marts/
Cubes
Data Marts/
Cubes
Mobile Loan
Origination Interface