UMKM in Malang, Domination Credit

Credit to UMKM (small and medium micro enterprises) grew a large portion of banks Malang. From the data presented BI Malang, in 2009 and then for example, good for small businesses, micro, and medium, the total disbursement all experienced increases. Overall UMKM have even taken a larger portion, which is 82.89 per cent of commercial bank credit.

In details, credit for micro business sector from a position of USD 3.620 billion rose to the position of USD 4.257 billion in 2009. Credit for small businesses up to USD 4.404 billion figure from the previous year ie 2008 USD 3.551 billion. And, for medium business has increased approximately USD 500 million. More precisely, the position of USD 3.393 billion to $ 3.847 billion. Total for the three levels of the enterprise value of Rp 12.511 billion.

Lamen said this year's SME loans this year expected to increase even more. This is evident from the trend of increasing per year, an average of USD 500 million-USD 1 billion.

"It sewajaranya portion for greater empowerment of UMKM. The hope, to support the financial stability of the banking system. Since the majority of credit and bank financing for most of these UMKM," said Deputy Leader for the Economy and Monetary BI Ola Lamen Emanuel Malang. He added, with a large portion of credit to UMKM as well as efforts to promote price stability through the strengthening of production.

According to him, BI Malang also not been idle. BI remain consistent with the activities carried out through training to banks, KKMB (Partners Financial Consultant Bank), providing information and study results. In addition, implementing empowerment programs KKMB and UPT (technical and operational units), and how to coordinate with related agencies.

"BI through KKMB facilitate loans for UMKM during 2009 and for 31.2 billion. In the span of four years, constantly increasing. If calculated from 2006 to 2009 amounting to Rp 61.4 billion," he added.

Each year, there have rotated the funding allocation for the SME sector was raised. Only, the value is not predictable. Adjusting submissions from each region. "This KKMB function as a bridge to the banks. That is, UMKM which are worthy of loan funds," said Lamen.

KBI Malang, he added, has a special interest in the development of UMKM through the authority possessed. As stated in Bank Indonesia Regulation No. 7/39/PBI/2005 of Provision of Technical Assistance in the Framework of SME development. It's just that, its no longer be straightforward as pre-1999 years ago.

Right now through the authority of the provision of technical assistance in the form of training and provision of information. Both the recipients of technical assistance, including commercial banks and BPR-, SME financing institutions, as well as service providers (business development services providers) or better known KKMB.

"We've trained about 300 KKMB gradually. For Greater Malang area there are 10 KKMB. KKMB function we optimize to encourage the growth of UMKM," he added.