PNM Distributes IDR 45 Trillion In Financing Until August 2024 To Mekaar PNM
JAKARTA - PT Permodalan Nasional Madani (PNM) has distributed PNM financing to Foster a Prosperous Family Economy (PNM Mekaar) of IDR 45.35 trillion until August 2024.
"Until now (August) there is around Rp45.35 trillion," said PNM President Director Arief Mulyadi quoting Antara.
The number of distributions increased by 1.9 percent on an annual basis (year on year / yoy). Meanwhile, the outstanding number of Mekaar PNM was IDR 43.6 trillion until August 2024, an increase of 11.9 percent on an annual basis.
Meanwhile, the number of PNM Mekaar customers until August 2024 reached 14.71 million customers, an increase of 0.9 percent on an annual basis.
The distribution of PNM Mekaar customers per island is Java 58.6 percent, Sumatra 26.7 percent, Bali and Nusa Tenggara 6.5 percent, Sulawesi 5.9 percent. Then, Kalimantan 2.0 percent, Maluku 0.3 percent, and Papua 0.1 percent.
The profile of PNM Mekaar customers until August 2024 is dominated by PNM Mekaar Syariah customers around 73 percent and conventional Mekaar PNM customers around 27 percent.
For the economic sector, the profile of PNM Mekaar customers is dominated by the trade sector 69.66 percent, agriculture 20.72 percent, livestock 2.92 percent, plantation 2.50 percent, and home industry 1.66 percent.
PNM Mekaar customers who graduate or advance to advanced classes to Bank BRI or Pegadaian until August 2024 reached 1.74 million customers.
PNM Menbina Ekonomi Keluarga Sejahtera (PNM Mekaar) merupakan layanan pinjaman modal untuk perempuan prasejahtera pelaku UMKM yang diluncurkan pada 2015.
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Basically, PNM Mekaar customers have knowledge and skills in doing business, but the limited access to working capital financing causes their business skills to be less utilized. Some reasons for limited access include formality constraints, business scale, and lack of collateral.
Therefore, the Company implements a Renteng responsibilities group system which is expected to bridge the gap in access to financing so that customers are able to develop their business in order to achieve their goals and improve family welfare.
Broadly speaking, the benefits channeled by the Company through the Mekaar PNM service include increasing financial management, unsecured capital financing, planting saving culture, and entrepreneurial competence and business development.