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REVITALIZATION OF SOCIAL CAPITAL IN RURAL

ECONOMIC DEVELOPMENT THROUGH FINANCIAL

INCLUSION IN ISLAMIC PERSPECTIVE

Aries Muftie,

Thursday, 10 March 2016

Universitas Muhammadiyah Yogyakarta

ONE VILLAGE ONE BMT (BUMDES)

GOLDEN VILLAGES MOVEMENT

REVITALIZATION OF SOCIAL CAPITAL

IN RURAL ECONOMIC DEVELOPMENT

BACKGROUND

D = DOA, DESA YANG WARGANYA SENANTIASA BERDOA E = ETIKA, DESA YANG WARGANYA SELALU MENJAGA ETIKA & AKHLAK. S = SEMANGAT, DESA YANG WARGANYA MEMILIKI SEMANGAT 45, KERJA KERAS, KERJA CERDAS, KERJA IHLAS. A = AMANAH, DESA YANG WARGANYA MENJAGA AMANAH & INTEGRITAS

E = ENTREPENEUR, DESA YANG WARGANYA MEMILIKI SPIRIT ENTREPRENEUR & GOTONGROYONG.

M= MANDIRI, DESA YANG WARGANYA MEMILIKI JIWA MANDIRI A =AMAN, DESA YANG WARGANYA AMAN DARI MOH MOLIMO, LGBT, KERUSUHAN, TERORISME. S = SEJAHTERA, DESA YANG WARGANYA HIDUP SEJAHTERA

3

74.754 DESA EMAS BANGUN

INDONESIA EMAS 2020

APA ITU DESA EMAS?

Logo

Pembina

APA ITU DESA EMAS?

DESA EMAS adalah sebuah predikat penghargaan (award) yang akan diberikan oleh “Gerakan Desa EMAS” (Koalisi Elemen Akdemisi, Bisnis, Community, Desa berdasarkan standar Pemerintah dan Global Saemaul Undong yang memenuhi kriteria lima sila Pancasila & UUD 45.

6

APA ITU DESA EMAS?

MENGAPA HARUS DESA EMAS • Jumlah Desa 74.093 (KPDTT); 74.754 (Depkeu) • Komposisi Penduduk Desa:Kota = 49,8% : 50,2%; • Bila trend urbanisasi seperti saat ini, maka prediksi 2025 =

65% penduduk di Kota; • Penyebabnya antara lain kemiskinan di Desa; • Penduduk Miskin di Desa 62,74% (BPS - Maret 2015) Sept 2014 17,37 jt Maret 2015 17,94 jt

• Persentase Penduduk Miskin Desa 14,4%, Kota 8,5%; • Pertumbuhan Ekonomi 2013 6,3% (Kemenkeu 2013); • Gini Rasio Nasional Agustus 2015 = 0,41 Desa 0,34 Kota 0,43

PEMBANGUNAN TIDAK MERATA TERJADI KESENJANGAN

7

PENYEBAB KEMISKINAN DI DESA

Kelangkaan Faktor Produksi (aset): Physical Capital (Modal Finansial);

Human Capital (Modal SDM);

Social Capital (Modal Sosial);

Natural Capital (Modal Sumberdaya Alam/SDA).

Sektor Utama Perdesaan 82,77% Pertanian 55,33% Pengguna Lahan Pertanian hanya menguasai

Lahan ,0,25 Ha (BPS 2013)

Penguasaan lahan yang sempit Korelasi Negatif pada Penghasilan Petani;

8

TAHAP PERKEMBANGAN DESA SECARA SOSIAL, EKONOMI & EKOLOGI

1. DESA TERTINGGAL 27,23%

Rentan terhadap guncangan sosial, ekonomi dan lingkungan.

2. DESA BERKEMBANG 68,85%

Secara ekonomi memiliki ketahanan dan mekanisme ketahanan yang dibangun untuk bertaahan dari krisis ekonomi, sosial dan lingkungan hidup bagi segenap warga desanya.

3. DESA MANDIRI 3,92%

Memiliki ketahanan sosial ekonomi dan mekanisme untuk bertahan bagi diri sendiri dan masyarakat di desa sekitarnya;

Mandiri dalam segala hal, baik pangan, energi, listrik dll;

Mempu menjadi pengerak ekonomi bagi daerah sekitarnya.

9

PETA SEBARAN KONDISI KAWASAN PERDESAAN 2014

10

Peta Sebaran Desa Per Provinsi Aceh 6474

Sumut 5389

Sumbar 880

Bengkulu 1341

Kepri 275

Jambi 1398

Riau 1592

Babel 309

Sumsel 2817

Lampung 2435

Banten 1238

Jateng 7809

Jabar 5319

DIY 392

Jatim 7723

Bali 636

NTB 995

NTT 2950

Kalbar 1908

Kalteng 1434

Kalsel 1864

Kaltim 833

Kaltara 447

Gorontalo 657

Sulut 1490

Sulteng 1839

Sulbar 576

Sulsel 2253

Sultra 1820

Malut 1063

Maluku 1191

Papua 5118

PaBar 1628

Jumlah Desa 74.093

(Kemendagri) 11

PENDEKATAN “PEMBANGUNAN DESA”

DESA MEMBANGUN UU Desa Pasal 19, point 1 dan 2

MEMBANGUN DESA UU Desa Pasal 19, point 3 dan 4

12

PEMBINAAN & PENGAWASAN PENGGUNAAN DANA DESA 2015

DANA DESA 2015

Rp. 20,7 Triliun

Untuk

74.093 Desa

di 434 Kabupaten

di 33 Provinsi

REKENING KAS UMUM NEGARA (RKUN)

Rp. 19.47 Triliun

(93,73%)

Rekening Kas Umum Desa (RKUD)

Rp. 17.03 Trilun (87,46%)

13

14

PENGGUNAAN DANA DESA 2015

ASPEK & LINGKUP DESAEMAS

PEMBANGUNAN

DESA DESA

MEMBANGUN

KETAHANAN PANGAN

PERSAUDARAAN &

DEMOKRATISASI

DESA

KESEHATAN &

KESEJAHTERAAN

PENDIDIKAN

SIAGA BENCANA &

KEBERLANGSUNGAN

HIDUP KEARIFAN LOKAL &

WISATA

LINGKUNGAN &

SUMBER DAYA

KETERSEDIAAN &

KELAYAKAN

INFRASTRUKTUR

KARAKTER &

KAPASITAS MANUSIA

USAHA & BISNIS

LOKAL

MEREK & PRODUK

UNGGULAN

AKSES PASAR &

DISTRIBUSI

SINERGI & JARINGAN

KEMITRAAN

INFORMASI

& TEKNOLOGI

BUMDES

& BUMR

SOCIAL CROWD

FUNDING, RELAWAN

& PEMBERDAYAAN

PERMODALAN,

PENDAMPINGAN &

KEMITRAAN

PILAR DESA EMAS & LINGKUP KERJA

PRORGAM DESA EMAS PEMERINTAH (DESA MEMBANGUN INDONESIA)

KONSORSIUM DESA EMAS (BMT MEMBANGUN DESA)

BINA KARAKTER REVOLUSI MENTAL, KELUARGA BERENCANA, KELUARGA SEHAT, KELUARGA PINTAR

SPIRITUAL, CAPACITY BUILDING & LEADERSHIP TRAINING

BINA PERSAUDARAAN & SUMBERDAYA

PERENCANAAN BERSAMA (PARTICIPATORY) PEDULI LANSIA & CACAT COMMUNAL ACTIVITY (PEKAN OLAHRAGA & PEKAN BUDAYA)

VILLAGE JOURNALISM PENGELOLAAN ZISWAF (TERUTAMA WAQAF)

BINA KELEMBAGAAN & INFRASTRUKTUR

GOTONG ROYONG PROJECT MANAGEMENT PEMBANGUNAN & RENOVASI SARANA PRASANARA PENGOLAHAN & REVITALISASI LINGKUNGAN

PAKTA INTEGRITAS KOMUNITAS SETUP LEMBAGA KEUANGAN

BINA DANA & KEBERLANGSUNGAN PEMBERDAYAAN MASYARAKAT PENINGKATAN EKONOMI

SKILL & BUSINESS TRAINING PENDAMPINGAN LKM (CROWD FUNDING)

BINA PASAR & KEUNGGULAN PENGEMBANGAN & PERLUASAN 1 DESA 1 PRODUK UNGGULAN

BRANDING & PACKAGING QUALITY ASSURANCE STORAGE, LOGISTIC & DISTRIBUTION

17

Tahap Persiapan (2016)

Tahap

Bangkit (2017)

Tahap

Terbang (2019)

Tahap

Maju (2018)

MOU dengan Gubernur dan atau Bupati, Seleksi Lokasi & pendamping/penyuluh,

Certif SDSB, Sosialisasi Program, Pendampingan, Penyusunan Data Dasar Desa,

Pelatihan, Penumbuhan & Pemberdayaan kelompok afinitas (KUM), SDSB, BMT

Way, Penyusunan Rencana Pembangunan Desa BMT Partisipatif, Persiapan

pendirian BUMDes

1. Penumbuhan kelompok lumbung pangan, Penguatan Kelembagaan Masyarakat

(Pemberdayaan kelompok afinitasatau KUM, Pemberdayaan Lembaga Usaha

Ekonomi perdesaan), Pemberdayaan Kelembagaan Pelayanan

2. Pemanfaatan dana CSR dan PKBL sesuai RUK

3. Pelatihan administrasi & teknis

TAHAPAN KEGIATAN 2016-2020

1. Pengembangan Lembaga Masyarakat (Pengembangan dan pemeliharaan

prasarana, Pengembangan dan penerapan teknologi untuk perbaikan produksi,

Pengembangan usaha menuju skala yang mampu memberikan pendapatan yang

layak secara ekonomi, Pengembangan diversifikasi usaha untuk meningkatkan

pendapatan)

2. Pengembangan Lembaga pelayanan Masyarakat (Gerakan konsumsi beragam,

bergizi, berimbang dan aman, Pengembangan sistem pemantauan, deteksi dan

respon dini kerawanan pangan)

3. Pelatihan teknis & magang di BMT yang sudah maju atau di Desa BMT 1. Peningkatan peran masyarakat dalam ketersediaan & distribusi pangan

2. Berkembangnya usaha Desa BMT,

3. Mantapnya organisasi/kelembagaan yang ada

4. Pembentukan jaringan usaha/kemitraan, pemupukan sumber permodalan

masyarakat

5. Exit strategi pendamping kepada SDSB

6. Koordinasi & kerjasama lintas sektor utk dukungan sarana prasarana

17

TAHAPAN KEGIATAN DESA EMAS - SDSB

DESA EMAS (2020)

FASE MASYARAKA

T TEMPAT TINGGAL

INFRASTRUKTUR

UTILITAS SARANA INDUSTRI

BINA KARAKTER & MORAL (PRIBADI & KELUARGA)

BINA SAUDARA & TOLERANSI (KOMUNITAS)

BINA SINERGI & POTENSI (LEMBAGA)

BINA DANA & INVESTASI (EKONOMI)

BINA PASAR & PRODUK UNGGULAN (AKSES)

DESA EMAS

DESA

SWADAYA

DESA

SWASEMBADA

DESA

SWAKARYA

DESA TERTINGGAL (PRA-DESA)

Rural Communities in Indonesia

Car accessible villages: 50%

Electricity accessible villages: 40%

Financial Inclusion : > 16%

Low Irrigation Infrastructure

Repeated natural disasters

Low agricultural productivity

Low Education & Health Services

Poor Infrastructure & Low Financial Inclusion

Rural poverty ratio in 2014: around 11 % in absolute term.

Rural Development was an urgent Issue for poverty alleviation

and for reduction of income disparity (social instability).

Source : BPS, BI Modification

FINANCIAL INCLUSION IN ISLAMIC PERSPECTIVE

Desa EMAS 2020 (Qarriyah Thayyibah) OVOB: One Village One BMT (Islamic Micro Finance Institution)

Derived from Community Operational Mechanism

1. Village community (member Cooperative BMT) is an autonomous body

2. Village Community (member Cooperative BMT) is a social organization

3. Community leadership (IMFI/BMT Chairman)

4. Various social organizations

5. People identify problems & needs of community

6. Solve problems in the way of “Jihad”, Self-help and Ta’awun/Jama’ah

7. Cooperative BMT (Baitul Mall wat Tamwil) is a Community Powerhouse (Rural Owned Enterprises)

Source : ABSINDO BLUE PRINT 2010-2015

Initiation of OVOB

2016 : Government Distribute Fund around IDR

0,64 billion to each rural village through out the

country, and 2017 around IDR 1 billion.

Ask to do with these money what community

people want for common purpose

Induced motivation/development needs/

participation/mobilization/empowerment

To Optimize the Village Fund, Government &

ABSINDO provided supporting measures : Training, financial & administrative support/technical support via

Apex Villages IMFI Provider and STEBANK


Apex BMT Performance : Total Financing From Bank

No INSTITUTIONS 2012 2013 GROWTH (%)

1 Panin Bank Syariah 20.000.000.000 60.000.000.000 200

2 Bank Syariah Mandiri 12.500.000.000 32.500.000.000 160

3 BJB Syariah 5.000.000.000 25.000.000.000 400

4 BMI 10.000.000.000 10.000.000.000 0

5 Bank BNI Syariah - 15.500.000.000 0

6 DKI Syariah 20.000.000.000 - 0

7 LPDB 30.000.000.000 - 0

Total 97.500.000.000 153.000.000.000 57

Note: Budget for 2015 increases up to IDR 1 trillion from IDR 153 billion in 2013.

Apex BMT Performance : TOTAL MEMBER & PLAFOND OUTREACH

Composition Th. 2011 Th. 2012 Th. 2013

Total Member 344 370 401

Existing Finance 202 219 233

142 151 168

Plafond Total BMT Financing in 2013

until 500 mio 182 23.523.500.000

500 mio – 1 Bio 73 44.090.000.000

1 B – 2 B 29 48.000.000.000

2 B – 3 B 4 13.500.000.000

>3 B 7 25.000.000

Total Member and Debtor

Plafond Outreach in Inkopsyah/Apex Financing

OVOB: One Village One BMT

New Village Movement

A Definition: A Rural Community Development Movement

- Betterment of Living Conditions

- Desa EMAS (Entrepreneur, M5, Aman, Sejahtera) through

Mental Reform, Income, Infrastructure, Living Environment,

and Community Building

in the Ways of Dilligent (Jihad), Self-help and Cooperative (Jama’ah) under

BMT - ABSINDO assisted and the Government Sponsorship.


Goals

• Immediate goals

– Improving living condition of individuals

• in the way of Jihad/dilligent, Self-help and Ta’awun/Jama’ah/Cooperation

• with community resources & outside support

Ultimate goal

Building a better and sound community by community people

Building a spiritual & strong nation


OVOB Dimensions

Income & Saving

Increase

Infrastructure

Building

Improve Living

Environments

Spiritual Enlightenment

&

Social Interaction

Dilligent,

Self-help &

Cooperation


Strategies

1. Village Community (member BMT) as Development Unit

2. Government Initiating Bottom-up Approach

3. Integrated Approach

4. Comprehensive Approach

5. More Support for the Better Performance

6. Two tier Change Agents

7. Internship in Saemaul Undong Korea (STEBANK Islam Sjafruddin Prawiranegara in cooperation with Indonesian & Korea Culture Study, IKCS) STEBANK ISLAM SP & IKCS

THE CENTER OF EXCELLENCE

FOR DEVELOP VILLAGES LEADER


1. Village Community as Development Unit

• Village as a Community (closed community)

• Social interaction & common ties

• Administrative unit

• Planning & Development unit

• Changing the Role of People

:from consumers or clients to ‘co-producer’ of public services


2. Bottom-up Approach

Bottom - Up Approach

(The Continuity of Development Process)

(People’s Participation based on Community Autonomy)

Village

Community

Felt Needs for

Development Develop Projects

By Village People

Implementation

The OVOB

- Economic Affordability

- People’s Empowerment

- Leadership

- Social Organizations

- Social Norms for Dilligent, Cooperation and Self-help


Government Initiating Bottom-up Approach

Top-Down Approach

Supporting

Measure

(Subsidy, Training,

Supervising)

Community-based Bottom - Up Approach

(The Continuity of Development Process)

(People’s Participation & Empowerment based on Community Autonomy)

Village

Community

Felt Needs for

Development

Develop Projects

By Village People

Implementation

Apex & OVOB

Induce Felt Needs, Providing

Motivation for getting sustainability

National Policy

for the OVOB Program

Supporting Measure (Financial, Training, R&D

Administrative Support,

Institutional Renovation)

OVOB Action Plan (Community Level)

(Horizontal and vertical integration)

3. Integrated Approach


Islamic Micro Finance for Rural & Agriculture

Agriculture development

Non-agriculture development

Agricultural Production Infrastructure

Spiritual, Social & Commercial Infrastructure

Housing

Building Community Center/Islamic IMFI (BMT)

Community Beautification

House Cleaning & Beautification

Renovation of Community Institutions

Vitalization of Community Festivals & Market

Supporting Youth Activities & Creativepreneurs

Drinking Water Supply

Kitchen Improvement

Toilet/ Bathroom Improvement

Income

Generation

Infrastructure

Building

OVOB

Community

Building

Socio-Cultural

Development

Health &

Sanitation

4. Comprehensive Approach at the Micro Level OVOB

Program (horizontal integration)


5. More Support for the Better Performance

Support more for the better performed community

Reward villages leaders for the success

Increase subsidy for the better performance:

electrification, cash. Road, etc

Small repeated success & Follow-up program: re-enforce

mechanism

Reduce subsidy for poor performance and let them bench

marking the successful villages (market conforming)

Continuous support until the community reaches

to the level of self-reliance & empowerment


6. Change Agents and Good Partnership

(Vertical Integration)

Government Authority

(State & Local)

Village Community

BMT Leader

(village leader) Local Government

Officers

(Two Tire system) Source : ABSINDO BLUE PRINT 2010-2015

OVOB/BMT leader as Change Agent

• Personal satisfaction of OVOB/BMT leader - respect from community - lunch and training with big figures - rivalry among BMT leaders • Positive Motivation & Commitment (ESQ)

• Continued Training and Support

(ABSINDO/Apex/STEBANK SP/IKCS) • Shared Vision (Desa EMAS)

• Changing Role of Women


Implementation Process

Government & Apex Policy

(Subsidy, Guideline)

Change Agents

(Supervising,

Training &

Extension Service)

Village Community

Felt/Induced Needs for Development

Setting Priority of Development

Organization of

Village Development Committee

Project Formulation & Goal Setting

(5-Year Development Plan)

Project Approval & Implementation

Evaluation and Feed Back

• Microfinance apex organizations are defined by their operations with retailing organizations

• and by the provision of one or more of the following services to Micro Finance Organizations (MFOs): a) the wholesaling of loanable funds,

b) the disbursement of grants and subsidies on behalf of donors and government,

c) the screening and certification of MFOs that fulfill certain eligibility criteria,

d) the operation of loan-guarantee facilities,

e) the supply of guarantees for MFOs raising funds in capital markets,

f) institution-building support in the form of technical assistance and/or training of the staff of the MFOs,

g) the provision, through direct production or purchase, of cost-effective services and inputs for MFOs,

h) the generation of public goods (e.g., lobbying for appropriate policies and regulations, creating a forum for the exchange of information across the industry) useful for the expansion of the microfinance sector, and

i) the prudential regulation and supervision of MFOs.

Apex Implementation Process


• The rationale for the provision varies with the different types of services offered, as follows:

a) The wholesaling of funds and disbursement of grants and subsidies by the apex organization has been usually justified in terms of economies of scale and other cost savings for donors not well-prepared to deal with a large set of very small and frequently semi-formal MFOs.

b) (b) The screening and certification functions of the apex organization have been usually justified by the information advantages that a local agency may have in selecting participants according to eligibility criteria, in order to make sure that the funds and other assistance reach the target organizations.

c) Loan guarantees have been usually justified as mechanisms to encourage financial intermediaries to expand their lending activities to marginal and risky clienteles, such as micropreneurs.

Apex function


d) Guarantees (avales) offered in capital markets on behalf of MFOs may reduce the existing reluctance of private investors to channel funds to these organizations due to imperfect information.

e) Institution-building support has been usually considered necessary to allow the retailing MFOs to become viable clients of the wholesaling apex organization. That is, through these services, the apex organization invests in creating its own market.

f) A more cost-effective provision of some inputs by the apex organization (e.g., accounting systems, software) may result from economies of scale or from discounts on bulk purchases.

g) Similarly, the use of donor and government funds may allow the apex organization to effectively supply public goods that otherwise would be undersupplied, because threats of free-riding would discourage private initiatives in the provision of these goods.

h) The prudential regulation and supervision of MFOs by an apex organization have been usually justified as a substitute mechanism in the absence of a formal regulatory framework that would contribute to the sustainability of MFOs and that would promote the confidence of potential depositors in these organizations.

Apex function


APEX

FUNDS

FINANCE

TECHNICAL

ASSISSTANT

MONEVA

1 Self-Regulatory Organization • Policy & Standard Operating Procedure • Organization, Human Resource, Legality 2 Banking System • corebanking, delivery channel, switching 3 Saving Guarantee 4 Liquidity (Minimum Mandatory for Saving, Trust Fund) 5 Payments System 6 Wholesale 7 Linkage 8 Rating 9 Technical Assisstant • Capacity Building, CERTIF, Replicate 10 Back Office • Data Center, Disaster Recovery & Contingency Plan, Bank Compliance 11 Credit Bureau 12 Monitoring & Evaluation, Supervision

12 FUNCTION


ABSINDO

APEX BMT

BMT Outlets

(Branchles)

BANK &

INSURANCE

ICT & Business

Solution Provider

MoU

Agreement

SRO (*)

(*) SRO is a self regulatory organization whereby Inkopsyah and all BMTs are abide to any

rule of engagements, SOPs, etc

35

MoU

Agreement

Apex & Branchless Banking & Insurance

Agreement


1. Transactional Saving (Co-Brand) 2. Special Saving (Hajj, Umrah etc.) 3. Deposit (*) Apex Complimentary Product (*) Reward (Lottery)

IMFI Product: 1. Deposit 2. Saving 3. Others Product

1. Current Account 2. Saving 3. Time Deposit

RETAIL FUNDING INCENTIVE

RETAIL FUNDING INCENTIVE

1. Current Account 2. Saving 3. Time Deposit


Banking Services only for urban and middle up people. Branches of the bank only in urban areas (financial inclusion only < 16%) IMFI in the villages but stand alone, no interconection The benefit of the micro transactions goes to the bank or remittance service provider like WU


• Everybody can access the Bank or Finance Company via IMFI. • Financial Inclusion > 85% (Lakupandai) • Win-win solution for Fee Based Income (From and For Community) • IDR 1 billion for every village, via IMFI owned by the village.

≈


CASH SERVICES / OUTLET

CUSTOMER

CUSTOMER

TERMINAL MONITORING

APEX –BANK

CORE

SYSTEM

Transaction: Deposit Withdrawal Instalment Bill Payment*

Inquiry Ballance Transfer Settlement Report Card Based Transaction

(*) eMF: Electronic Microfinance


The

leve

l of

Succ

ess

The level o

f difficu

lties


Full service model (Direct Marketing)

Community - based systems (Community Marketing)

Provider- based health microinsurance (provider-doctor, clinic, hospital, Apex MFI Provider)

Partner - agent model (Agency)


“win-win-win” arrangement


Share of Surplus (100%)

Contribution

Profit Share Profit Share

Wakalah Fee

Initial Donation to Waqf

49

Waqf Fund

Participants

Shareholders’ Funds

Investments

Surplus

Profit/Loss of Shareholders

Management Expenses

Reserves Apex IMFI Policy Benefits

Profit CSR &

ZIS Fund

50

FINANCING SCHEME: APEX TO KJKS-BMT

Coord.

1 TA Coord.

PROVIDER APEX

BMM PINBUK

APEX

BMT

BMT

IMFI VILLAGE

SME SME SME SME

T.A. Coordintation

Financing

9

10

12

4

2

Analisa Verification

Fin. Agreement SP-3

Financing Installment

14

Installment of

15

16

Online Financial Performance Report 17

Fin. Disbursement

3 MOA

6

Apply Financing

7 AW, Verif

Data, OTS BMT

Sending Financing Application

8

Credit Commitee

Fund Disb.

Standarization IT & SOP 11

TA Reporting Activity

19

Technical Assistance Report

19

7

Set up Proposal

Working Capital

13

7 BMT

IMFI VILLAGE BMT

IMFI VILLAGE

Credit Agreement

On

line

Fin

anci

al P

erfo

rman

ce R

epo

rt

17

17

5

Financing

Financing Installment

PS Ratio 40% : 60%

SOURCE OF FUND

Collect Proposal Scheme Socialitation

Verifikasi data & OTS ke BMT Initial Analitical of Financing

Technical Assistant Financing Recomendation

Supervisi on & Collateral checking Debt Collector

Monitoring, Supervision, Controlling

18

Monitoring, Supervision, Controlling

18

(Situational about pricing, it depends on Economic Situation)

IMFI Management.

On

line

Fin

anci

al P

erfo

rman

ce R

epo

rt

Outlet BMT Channel compared with Bank

The Future of BMT (Low Cost Financing)

Community Channel (BMT) Face Book BMT

ATM

EDC

CDM

BMT Click

Mobile Money

KYC (Biometric – eKTP)

THE POWER OF ABSINDO Outreach All of Provincies

Member > 5.500 IMFI/BMT

Outlet > 22.000 outlet

Account Holder > 22 million

SOURCE : ABSINDO

LKMS Profiles Number of Institutions: More than 5500 IMFIs

(Conventional Cooperatives 71.365 units) Assets: IDR 3,5 tr (USD 389 mio)

Annuall Growth: 30 – 40% Number of Employee: 5 – 10 (average)

Total members: 10 mio Non-Performing Financing/Loan: 4-5 % (Modus) Mostly initiated by group of people in particular

community; Islamic Mass Organization, Mosque Comm.

Conclusions

• Based on Community Operational Mechanism

• Government initiating & supporting measures motivate people to

participate

• Government supporting policies facilitated micro community

development programs

• Government guidelines guaranteed community autonomy

• Community initiative and empowerment for action plan formulation

• Partnership between Local government & community

• Process of Capacity Building and Leadership

• Contributed to the sustainable community development &

modernization of the nation through attain can do spirits

Conclusions • Financial inclusion is means to achieve poverty reduction and local

economic growth

• A more “inclusive” Indonesia is an overall policy goal for the country

– Financial sector should be inclusive as well

– Less than 50% of Indonesians have access to the formal financial sector

– Less than a fifth have ever borrowed from a bank

– Much lower for poor

• Need Apex BMT && OVOB: Enhancing Access to Islamic Financing for SMEs in Indonesia – The Islamic finance industry has been growing strongly in Indonesia, but it is still

relatively small. Like its conventional peers, sharia banks dominate the industry.

– Currently Sharia banks are already more inclined to served MSMEs.

– Building awareness can play a significant role in increasing the use of Sharia financing by MSMEs.

– Empowering the micro sharia financial institutions using Apex BMT can potentially increase financing for productive poor who run micro enterprises.

55

One Village One BMT Poverty Reduction

Financial inclusion (Access

to Finance)

Expand the financial capacity of the poor

Social inclusion (Access to Basic Services ) Promote empowerment

among the poor (e.g., Health & Education,

Social mobilization)

Economic inclusion

Increase access to the

income generating opportunities for the poor (e.g., MSME development)

Without inclusive financial systems, poor individuals and small enterprises will have to rely on their personal wealth or internal resources to invest in their education, become entrepreneurs or

take advantage of promising growing opportunities

Conclusions

TERIMA KASIH

DESA SUBUR KELUARGA TERATUR

SANTRI BERBUDI LUHUR RAKYAT KERJA & BERSYUKUR

CENDEKIA MENGAJAR & MENYALUR PEMIMPIN BERSEDIA MENJADI BATUR

INDONESIA EMAS, AMAN, ADIL & MAKMUR NUSANTARA JILID III, MENJADI BUAH TUTUR

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ONE VILLAGE ONE BMT (BUMDES) GOLDEN VILLAGES …fossei.org/temilnasxv/wp-content/uploads/2016/03/SOCIAL-CAPITAL-DI... · •Bila trend urbanisasi seperti saat ini, ... bertahan bagi