Minister Maman Calls For MSMEs To Be More Disciplined In Financial Regulation
JAKARTA - Minister of Micro, Small and Medium Enterprises (MSMEs) Maman Abdurahman called for MSME entrepreneurs to be more disciplined in managing finances, especially for their business capital.
According to Maman, high discipline is needed so that MSMEs can optimize access to financing obtained from government programs.
"We have two financing programs. The KUR (People's Business Credit) program with government subsidies and financing programs outside KUR," Maman said in a statement to the media, Thursday, September 25.
Maman said, there are MSMEs that use capital from government programs other than for business development.
This could cause the business to fail to advance to class and worsen its credit assessment in the SLIK OJK.
As a result, MSMEs with poor credit value will find it increasingly difficult to apply for loans.
"No matter how good access to capital to business, it will not be useful without discipline in managing finances," said Maman.
Maman added that MSMEs can also get access to financing by utilizing a Land Rights Certificate (SHAT) supported by the Ministry of ATR/BPN. SHAT can be used as collateral for MSME loans.
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Selain itu, UMKM bisa semakin mudah naik kelas lewat pembiayaan alternatif di luar KUR hasil kerja sama Kementerian UMKM dengan Baznas, PT Pegadaian, PT Permodalan Nasional Madani (PNM), dan Bank BJB.
"Pemerintah selalu siap membantu rakyatnya. Tapi jangan menyalahgunakan kemudahan akses yang diberikan oleh pemerintah agar UMKM bisa mendapatkan modal usaha," kata Maman.
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In addition, MSMEs can more easily advance to class through alternative financing outside of KUR the results of the collaboration between the Ministry of MSMEs with Baznas, PT Pegadaian, PT Permodalan Nasional Madani (PNM), and Bank BJB.
"The government is always ready to help its people. But do not misuse the ease of access provided by the government so that MSMEs can get business capital," said Maman.