Indonesia is a country with a vast potential for economic growth and development. However, many small and medium-sized businesses face challenges in realizing their full potential due to various reasons such as lack of capital, access to markets, and limited resources. To address these issues, the Indonesian government established the Business Development Service Agency (Badan Pengembangan dan Keuangan Mikro, or BPKM) to provide support to small and medium-sized businesses. One of the notable figures in BPKM is Himawan Hariyoga, who serves as the agency’s Head of Development Services. In this article, we will explore how Himawan Hariyoga BPKM has been instrumental in helping businesses unlock their full potential.
Who is Himawan Hariyoga?
Himawan Hariyoga is a seasoned professional with over 20 years of experience in the financial industry. He has held several key positions in various financial institutions in Indonesia and has been involved in numerous projects aimed at promoting financial inclusion and supporting small and medium-sized businesses. In 2019, he was appointed as the Head of Development Services at BPKM, where he has been leading the agency’s efforts to provide comprehensive support to businesses across Indonesia.
The Role of BPKM in Supporting Small and Medium-Sized Businesses
Small and medium-sized businesses are the backbone of Indonesia’s economy, accounting for over 60% of the country’s GDP. However, these businesses often face challenges in accessing capital, technology, and markets, which limit their growth potential. BPKM was established by the Indonesian government to address these challenges by providing financial and non-financial support to small and medium-sized businesses.
One of the key programs offered by BPKM is the Micro Credit Program (Program Kredit Mikro, or PKM), which provides loans to micro-enterprises with a maximum financing limit of IDR 50 million. The program aims to support the growth of micro-enterprises and improve their access to financial services. BPKM also offers various non-financial services such as business training and mentoring, market access support, and networking opportunities to help small and medium-sized businesses improve their competitiveness.
Himawan Hariyoga’s Contributions to BPKM
Since his appointment as the Head of Development Services, Himawan Hariyoga has been instrumental in driving BPKM’s efforts to support small and medium-sized businesses. Under his leadership, BPKM has launched several new programs aimed at improving access to finance and promoting entrepreneurship across Indonesia.
One of the notable programs launched by BPKM under Himawan Hariyoga’s leadership is the Digital Micro Credit Program (Program Kredit Mikro Digital, or PKMD). The program aims to provide digital financial services to micro-enterprises in Indonesia, allowing them to access credit more easily and at a lower cost. The program leverages technology to streamline the loan application process and reduce the time required to disburse funds.
Another program launched by BPKM under Himawan Hariyoga’s leadership is the Islamic Micro Credit Program (Program Kredit Mikro Syariah, or PKMS). The program provides financing to micro-enterprises based on Islamic principles, which prohibits the charging of interest. The program aims to promote financial inclusion among Muslim communities in Indonesia and provide them with access to financing that aligns with their religious beliefs.
Aside from launching new programs, Himawan Hariyoga has also been actively promoting BPKM’s existing programs and services through various channels. He has been organizing workshops and seminars to educate businesses on the various financing options available to them and how they can access these services. He has also been working closely with other government agencies, financial institutions, and private sector organizations to promote entrepreneurship and support the growth of small and medium-sized businesses.
Conclusion
Himawan Hariyoga BPKM has been instrumental in driving BPKM’s efforts to support small and medium-sized businesses across Indonesia. Through his leadership, BPKM has launched several new programs aimed at improving access to finance and promoting entrepreneurship. Himawan Hariyoga’s contributions to BPKM have helped unlock the full potential of small and medium-sized businesses in Indonesia, driving economic growth and development.
