Meski Dibayangi Resesi, Bank Sumsel Babel Pede Bisa Salurkan KUR RP2.5 Triliun Pada 2023

President Director of Bank Sumsel Babel Achmad Syamsudin. (Photo: Doc. Antara)

PALEMBANG - Bank Pembangunan Daerah Bank Sumsel Babel (BSB) is ready to realize the distribution of People's Business Credit (KUR) worth IDR 2.5 trillion in 2023 if it gains government trust by being given an additional quota compared to the previous year.

President Director of Bank Sumsel Babel, Achmad Syamsudin, said that this allocation is considered optimally absorbed in the coming year because in the last two years BSB has always exceeded the target.

"Like this year, IDR 1.5 trillion has been added to another IDR 300 billion, because in October it has run out," he said, quoted by Antara, Friday, November 25.

He said that although there was a recession threat in 2023, BSB was optimistic that it could improve KUR performance because this sector was dominated by Micro, Small and Medium Enterprises.

The MSME sector is considered more resilient than other sectors because it uses domestic components more and targets the domestic market.

Moreover, the MSME ecosystem in two provinces, namely South Sumatra and Bangka Belitung, began to form along with the economic revival after the COVID-19 pandemic.

Therefore, he is optimistic that the Micro, Small and Medium Enterprises sector is considered capable of surviving amid the threat of an economic recession that has hit the world.

If you refer to the previous incident, namely the COVID-19 pandemic, BSB is actually able to improve the performance of KUR distribution.

In 2021, BSB will be able to realize KUR distribution of up to IDR 1 trillion so as to gain government trust to IDR 1.5 trillion in 2022.

This low-interest loan program from the government is now the main choice for Micro, Small and Medium Enterprises players. Currently, BSB has around 50 thousand KUR customers.

The government sets the KUR interest rate lower than other lending rates, which are 6.0 percent per year.

BSB as a bank that is trusted by the government to distribute KUR also makes various strategies to be optimally absorbed, including making KUR clusters for agriculture, culinary and fashion.

"By making a cluster, a business ecosystem will be formed, from upstream to downstream so that it can reduce production costs," said Syamsudin.

If business actors can reduce production costs, the ability to pay credit installments will increase. In addition, business resilience has also increased so that these business actors can advance to class, especially Micro, Small and Medium Enterprises (MSMEs).

This has been done by BSB in Pempek Tanjung Rajo Village, Palembang, which disburses micro-financing loans with financing ranging from Rp. 2 million to Rp. 10 million.

Then, what is considered quite successful is the formation of an agricultural cluster in East Ogan Komering Ulu (OKU) Regency for the distribution of KUR.