BNI Distributes Productive Credit And Digital Innovation For MSMEs

Photo: Doc. BNI

JAKARTA - PT Bank Negara Indonesia (Persero) Tbk or BNI continues to strengthen support for the Micro, Small and Medium Enterprises (MSMEs) sector through productive lending and digital service innovation.

This step is in line with the policy of the Financial Services Authority (OJK) which is preparing new rules so that the MSME financing target must be included in the Bank Business Plan (RBB).

BNI Corporate Secretary Okki Rushartomo said the presence of the new regulation is expected to strengthen the role of banks in expanding access to financing while maintaining credit quality.

"With this policy, banks, including BNI, will be increasingly encouraged to channel more inclusive financing to MSMEs," Okki said in a written statement, Wednesday, September 3.

BNI's consistency in supporting MSMEs is reflected in the positive credit performance.

In the first semester of 2025, non-KUR MSME lending grew 9.2 percent on an annual basis or year on year (yoy) to Rp44.4 trillion.

Untuk menjaga kualitas kredit, BNI fokus pada sektor-sektor produktif seperti perdagangan, jasa, pertanian, industri, dan perikanan.

Strategi rantai pasok (supply chain) serta ekosistem close loop transaction juga dimanfaatkan untuk memastikan pasar dan arus kas UMKM lancar, sekaligus membangun pendampingan jangka panjang.

Inovasi digital juga menjadi salah satu pilar utama BNI dalam mendukung sektor UMKM. BNI menghadirkan platform BNIdirect Bisnis yang dirancang khusus untuk memenuhi kebutuhan layanan keuangan digital UMKM yang sederhana, cepat, dan terintegrasi.

To maintain credit quality, BNI focuses on productive sectors such as trade, services, agriculture, industry, and fisheries.

The supply chain strategy (supply chain) and the close loop transaction ecosystem are also used to ensure that MSME markets and cash flows run smoothly, while building long-term assistance.

Digital innovation is also one of BNI's main pillars in supporting the MSME sector. BNI presents a BNIdirect Business platform specifically designed to meet the needs of simple, fast, and integrated MSME digital financial services.