LPDB KUMKM Kembangkan Fintech, Jangkau Koperasi dan UKM di Daerah
Indonesian Govt will Develop Financial Technology for Cooperatives and SMEs
Reporter : Gusmiati Waris
Editor : Cahyani Harzi
Translator : Dhelia Gani
Jakarta (B2B) - Lembaga Pengelola Dana Bergulir (LPDB KUMKM) akan mengembangkan financial technology disingkat Fintech, untuk mendukung efektivitas dan efisiensi penyaluran dana bergulir, karena LPDB sesuai regulasi dilarang membuka kantor cabang di daerah.
Direktur Utama LPDB KUMKM Braman Setyo mengakui daya serap dana bergulir LPDB belum maksimal kendati banyak koperasi dan UKM di daerah yang mengajukan permohonan karena masih terpusat di Jakarta.
"Dengan Fintech maka proses assessment penyaluran dana bergulir secara online tanpa harus tatap muka, agar lebih efisien dan efektif, dan saat ini LPDB tengah menyiapkan aplikasi berbasis web dan mobile apps untuk pengajuan dana bergulir LPDB," kata Braman Setyo kepada pers di Jakarta pada perayaan HUT LPDB ke-11, belum lama ini.
Menurutnya, LPDB juga akan mengembangkan sistem informasi debitur untuk KUMKM sehingga dapat memantau pembayaran cicilan kualitas debitur di seluruh Indonesia. Didukung menu pembayaran cicilan LPDB pada mitra anak usaha Telkom Indonesia, PT Finnet Indonesia atau melalui auto debet.
"PT Finnet dapat membantu proses settlement pencairan dana LPDB maupun collection cicilan by system, ini bentuk solusi Fintech LPDB dalam upaya modernisasi pelayanan LPDB ke depan," kata Braman.
Modernisasi Sistem
Selain menggagas Fintech, Braman Setyo juga akan melakukan modernisasi terhadap tata kelola, teknologi informasi dan akan mengembangkan kerjasama dan meningkatkan koordinasi dengan instansi terkait dan para pemangku kepentingan di daerah.
Menurut Braman, LPDB akan koordinasi dengan dinas koperasi di tingkat provinsi/kabupaten/kota untuk memberikan rekomendasi terhadap koperasi dengan kinerja positif. Koordinasi dengan Direktorat Jenderal Kekayaan Negara (DJKN) Kementerian Keuangan RI yang berwenang melakukan penagihan dan menyita kekayaan mitra usaha bermasalah. Sementara dengan Kejaksaan Agung hingga ke tingkat provinsi untuk melakukan tuntutan hukum terhadap mitra usaha bermasalah.
Dia mengharapkan, seluruh mitra LPDB dapat menyesuaikan diri dengan transformasi teknologi. "Mau tidak mau mereka harus berbenah ke arah itu. Semua lembaga keuangan sudah menuju ke arah ekonomi digital sehingga dapat mengurangi cost bagi koperasi, tanpa harus bolak-balik datang ke Jakarta."
Braman menguraikan juga kinerja LPDB dari 2008 hingga 2017 telah menyalurkan dana bergulir Rp8,49 triliun kepada 1.012.287 UMKM melalui 4.299 mitra. Sedangkan realisasi dana bergulir di 2017 mencapai Rp405,27 miliar kepada 46.602 UMKM melalui 49 mitra di seluruh Indonesia.
Jakarta (B2B) - The Indonesia´s fund management institutions lending to cooperatives and micro, small and medium enterprises called the LPDB-KUMKM will develop a financial technology called Fintech, to support the effectiveness and efficiency of its performance, since LPDB is prohibited to open branch offices in the region, according to Indonesian senior official.
President Director of LPDB KUMKM Braman Setyo acknowledged the performance of his institution in the region has not been optimal despite many cooperatives and SMEs in the region because it is still concentrated in the capital of Indonesia.
"With Fintech, the assessment process can be online without being face-to-face, more efficient and effective, and currently the LPDB is preparing web-based applications and mobile apps for our users," Braman Setyo told reporters here recently.
According to him, LPDB will also develop the debtor information system to monitor the payment of installments of debtors across the country.
According to him, LPDB will develop the debtor information system to monitor the payment of installments of debtors throughout Indonesia. The system will be supported by an installment payment menu at Finnet Indonesia Corp., or via auto debit.
"Finnet can help the settlement process of fund disbursement and collection of installments by system, Fintech solution in the modernization of future services," Mr Setyo said.
Modernizing the System
In addition to Fintech, LPDB will modernize governance, information technology and will develop cooperation and improve coordination with relevant agencies and local stakeholders.
According to Mr. Setyo, the LPDB will coordinate with to the province/district/cities the head of local cooperative agency. Coordination with the Directorate General of State Assets of Indonesian Finance Ministry which is authorized to collect and confiscate the wealth of troubled business partners. While with the attorney general to the provincial level to conduct lawsuits against business partners that violate the law.
He expects, all the LPDB partners can adapt to technological transformation. "Likes or dislikes they have to face the digital age. All financial institutions are heading towards the digital economy so as to reduce costs for cooperatives, without having to go to Jakarta."
Mr Setyo also describes the performance of the LPDB from 2008 to 2017 has distributed loans amounting to 8.49 trillion rupiah to 1,012,287 SMEs through 4,299 partners. The realization of loan disbursement this year reached 405.27 billion rupiah to 46,602 SMEs through 49 partners across Indonesia.
