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