Himbara Begins To Map MSME Debtors Whose Debts Will Be Abolished

The Association of State-Owned Banks (Himbara) is gradually still mapping and determining the debtors of micro, small and medium enterprises (MSMEs), whose bad debts will be deleted.

"Himbara gradually continues to carry out the mapping process and determining that MSME debtors who meet the classification can be removed according to the PP HBHT criteria," said OJK Banking Supervision Chief Executive Dian Ediana Rae quoting Antara.

The process of mapping and determining the MSME debtor is carried out by Himbara by taking into account the principles of prudence, risk management, and good governance. Thus, the implementation of the policy can run effectively and provide direct benefits for MSME actors.

Dian said the government together with OJK and Himbara would actively continue to coordinate periodically in supporting the implementation of Government Regulation (PP) Number 47 of 2024 concerning the Elimination of Mutual Receivables to Micro, Small and Medium Enterprises (PP HBHT).

The policy includes removing bad debt bills to MSMEs in three fields, namely agriculture, plantations, and livestock; fisheries and marine; as well as other MSMEs such as fashion/busana, culinary, creative industry, and others.

Previously, Minister of Micro, Small and Medium Enterprises (MSMEs) Maman Abdurrahman stated that the government removed debt bills for 67 thousand MSME customers throughout Indonesia with a total value of around IDR 2.5 trillion.

Maman, who was met after attending a limited meeting of the Red and White Cabinet, at the Presidential Palace, Bogor, West Java, Friday (3/1/2025), called this policy a first step from the government's target to abolish all receivables of 1 million MSMEs worth more than IDR 14 trillion.

"What has been deleted by books is 1 million MSME entrepreneurs spread throughout Indonesia. To enter the collection to date, our potential can be 67 thousand," he also said.

Removing books is an administrative action taken to remove bad credit from the balance sheet, without deleting collection rights from debtors. While deleting collection is the bank's action to remove debtors' obligations to credit that cannot be settled by eliminating collection rights.

"This means that customers who have deleted books can be whitened, so they can return to obtaining financing facilities," he said.