Bank Mandiri strengthens its commitment to accelerating the development of Micro, Small and Medium Enterprises (MSMEs) as the driving force of the national economy. Through the distribution of People's Business Credit (KUR), Bank Mandiri managed to distribute financing of IDR 20.19 trillion to more than 173,000 business actors throughout Indonesia until the end of May 2025.
This distribution is a tangible manifestation of the synergy between Bank Mandiri and the government in supporting productive sectors such as agriculture, fisheries, production services, and the processing industry. This step not only opens inclusive access to capital, but also becomes a catalyst in creating jobs and maintaining the economic resilience of the community.
Bank Mandiri President Director Darmawan Junaidi said the distribution of KUR was equivalent to 52.45 percent of Bank Mandiri's KUR target in 2025 worth IDR 38.5 trillion. Through the KUR program, the bank codenamed BMRI shares wants to ensure that MSMEs have capital to increase their business capacity and competitiveness.
"This is part of a sustainable strategy to build a strong and independent populist economy. Therefore, Bank Mandiri's KUR distribution until May 2025 is still dominated by the production sector with 60.71 percent or Rp12.26 trillion," Darmawan said in his official statement, Tuesday, July 1.
He continued, of this amount, the agricultural sector as the backbone of national food security was distributed amounting to Rp6.17 trillion or 30.56 percent, the production service sector absorbed 21.23 percent worth Rp4.28 trillion, the manufacturing sector 7.56 percent of Rp1.52 trillion, and the fisheries sector 1.31 percent or Rp264 billion.
In accelerating the distribution of KUR, Bank Mandiri adopted a more inclusive and oriented ecosystem-based approach to strengthening the leading production sector in various regions. Business synergy and strategic collaboration with wholesale customers are part of a closed-loop strategy applied to optimize the value chain, so that MSMEs can develop more rapidly with wider market access.
In addition, as part of a business strategy, Bank Mandiri provides digitalization services for financial transactions to support MSMEs to advance through Livin Merchant with ease of onboarding, flexibility in payment receipts and without subscription fees. This application provides easy access to banking services (access to finance) for MSME players. As for the end of May 31, 2025, the Livin' Merchant user for MSME actors has reached 2.7 million merchants, an increase of 35 percent year on year (yoy).
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Livin' Merchant can be used as a cashier application (point of sales) which immediately digitizes transaction activities and receives direct payments through QRIS facilities that can be discranked by buyers using any bank account or e-wallet. Bank Mandiri continues to expand access to financing through a referral program that is followed by service education and financial transactions through Mandiri Agents (Bank Mandiri Partner Pandai Agents) in the business ecosystem of MSME actors.
"With continued support and close collaboration with the government and various parties as well as the initiative to digitize MSMEs, we ensure that KUR can be channeled on target and have a real impact on the economy. We believe that strong MSMEs will contribute significantly in realizing food security and community welfare," he concluded.
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