JAKARTA – Perum Jamkrindo Signs Cooperation Agreement with Dukcapil for Risk Mitigation in UMKM Analysis
Perum Jamkrindo has signed a Cooperation Agreement with the Directorate General of Population and Civil Registration (Dukcapil) of the Ministry of Home Affairs of the Republic of Indonesia. This collaboration aims to utilize the Indonesian National Identification Number (NIK), population data, and electronic Identity Cards (KTP-el) as part of the risk mitigation process in analyzing Micro, Small, Medium Enterprises, and Cooperatives (UMKM-K), as well as for ranking these businesses.
The signing ceremony took place on Wednesday, March 14, 2018, at the Perum Jamkrindo headquarters, attended by Perum Jamkrindo President Director Randi Anto and Director General of Dukcapil Zudan Arif Fakrulloh, along with directors from both organizations.
Randi Anto emphasized that this partnership with Dukcapil is part of Perum Jamkrindo's corporate strategy to provide more accessible financing solutions to UMKM-K. The use of NIK and KTP-el data will play a crucial role in ensuring more accurate and prudent risk management in the analysis of these businesses.
He also expressed hope that the partnership would strengthen mutual support for government programs focused on economic empowerment and national economic growth.
Zudan Arief Fakrulloh, Director General of Dukcapil, mentioned that 97.4% of the population has completed their KTP-el data recording, leaving only about four million people to be recorded. The use of NIK will allow Perum Jamkrindo to quickly verify the identity and financial history of their clients, improving the overall risk assessment process.
Perum Jamkrindo, established in 1970, is a state-owned enterprise (SOE) specializing in credit and financing guarantees for UMKM-K. As the only SOE with a mandate from the government to manage guarantee services, Perum Jamkrindo aims to be a leading player in supporting national economic development by providing guarantees for small businesses.
In Indonesia, nearly 99% of the economic actors are UMKM-K. Despite this, many UMKM-K are still not bankable, and Perum Jamkrindo plays a key role in bridging the gap by offering credit guarantees to help these businesses access financing.
Perum Jamkrindo continues to focus on improving its efficiency and effectiveness in response to growing business challenges, all while staying true to its core competency in supporting UMKM-K. As the leading guarantee provider in Indonesia, Perum Jamkrindo has an extensive network with 9 regional offices, 1 special branch office, 56 branch offices, and 16 service units (KUP), ensuring nationwide support for UMKM-K.
Some of Perum Jamkrindo's guarantee products include Credit Guarantee for People's Business, Micro Credit Guarantee, General Credit Guarantee, Multiguna Credit Guarantee, Goods Distribution Credit Guarantee, FLPP Housing Credit Guarantee, Motor Vehicle Credit Guarantee, Surety Bond Guarantee, Custom Bond Guarantee, Bank Guarantee/Counter Guarantee, Supply Chain Financing Guarantee, and Fintech Lending Guarantee.
Perum Jamkrindo remains committed to helping UMKM-K across Indonesia and will continue to be a trusted partner in managing the financial risks associated with small business failures.