JAKARTA – A total of 5,432,708 MSMEs (Micro, Small, and Medium Enterprises) under the guidance of Perum Jamkrindo will receive management consultation services and mentoring, along with a scoring assessment to help them level up and grow their businesses.
"With scoring, MSMEs will have the opportunity to access financing, which will drive their business growth," said Diding in his speech at the "Public Screening of MSME Scoring" event at Perum Jamkrindo's office on Wednesday, May 17, 2017.
The data of MSMEs recorded by Perum Jamkrindo includes: MSMEs guaranteed by Perum Jamkrindo: 5,419,895, MSMEs under Suretyship Guarantee: 880, MSMEs from Brawijaya University: 6,806, MSMEs from Universitas Negeri Jakarta: 93, MSMEs from Kudus Regency: 1,157, MSMEs from Universitas Indonesia: 700, MSMEs under Direct Guarantee: 110, MSMEs from Universitas Pancasila: 67, MSMEs from Bank Indonesia: 3,000.
Diding mentioned that there are approximately 57 million MSMEs in Indonesia, with data spread across various sectors and qualities, and not yet integrated. Currently, Perum Jamkrindo continues to build a comprehensive MSME database with high-quality, up-to-date, and integrated data to support MSME development and mentoring nationwide.
The database development and MSME scoring activities have been carried out by Perum Jamkrindo since late 2015, with the formal launch of MSME scoring by OJK Chairman, Muliaman D Hadad, at the International Seminar on Guaranteeing in Bali on November 16, 2015. This was followed by the establishment of the MSME Scoring and Management Consultation Division at the beginning of 2016.
"This scoring activity is mandated by Law No. 1 of 2016 on Guaranteeing, Article 52, and Perum Jamkrindo has received strong support from the Ministry of BUMN and OJK," Diding said.
Furthermore, Diding explained that in terms of financial access, the information generated through Perum Jamkrindo's scoring is expected to help reduce asymmetric information between MSMEs and lenders (banks and non-banks), which in turn can lower the debtor acquisition costs.
"The development of the MSME database and scoring continues to be developed through the preparation of MSME scoring methodologies, cooperation with universities and other stakeholders. Today, we are ready to report the readiness to record MSMEs through a web-based platform accessible to MSMEs and data partners such as universities," Diding added.
As of April 2017, a total of 260 MSMEs have been scored by Perum Jamkrindo, starting from 2015.
Along with this, a Memorandum of Understanding (MoU) was signed with 4 universities: Universitas Sumatera Utara (USU), Universitas Jember, Universitas Padjajaran (Unpad), and Universitas Muria Kudus (UMU), as well as the Association of Business Development Service Indonesia (ABDSI). This brings the total number of MSME data partners to 16.
With the theme "Guaranteed MSMEs, Reliable MSMEs with Scoring, Business Growth," the reliable MSMEs selected will have the capacity and capabilities to grow with the support of financing.
"These MSMEs are considered viable and are expected to progress further, with efforts to move up to the next level. MSMEs with guarantees will be more resilient as they will have more flexibility to develop their businesses," Diding explained.
Additionally, with the ranking or assessment results from Perum Jamkrindo, both in financial and non-financial aspects, these MSMEs are expected to improve their business practices. On this occasion, 47 MSMEs were presented with Scoring Certificates, symbolizing Jamkrindo’s 47 years of service as an MSME guarantor in Indonesia.
In addition to conducting MSME scoring activities, Perum Jamkrindo also holds a mandate from the government to implement the Warehouse Receipt System (Sistem Resi Gudang, SRG) Guarantee as per Government Regulation No. 1 of 2016 on Warehouse Receipt Guarantee Agencies.