By Asian Development Bank, Nimal A. Fernando
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Extra info for Commercialization of Microfinance - Indonesia
Evidence supporting this is provided by two recent surveys. As part of an ADB-supported project preparatory technical assistance concluded in 2003, participatory rural appraisals were carried out in 10 selected villages across 5 provinces to assess the demand for financial services. The methodology included focus-group discussions, surveys of 120 rural households (representing an approximately equal mix of nonpoor, poor, and extremely poor) and in-depth interviews with 34 poor, rural households that had microenterprises.
9 BDB = Bank Dagang Bali; BKD = Badan Kredit Desa; BPR = Bank Perkreditan Rakyat; LDKP = Lembaga Dana Kredit Pedesaan; KSP = Koperasi Simpan Pinjam; USP = Unit Simpan Pinjam. BDB: All figures reflect self-reported data as of end-2001. BRI Units: data are as of end-2001and from BRI (2001, p. 44); units include BRI Units (3,823) and Village Service Posts (PPDs) (240). BPRs: data are as at 30 September 2002 from BI (2003). Perum Pegadaian: data are as of end-2001; units refer to number of branches (BI 2001, p.
The B RI Units have an extremely efficient management information system that allows management to assess the performance of each unit and apply a sophisticated employee incentive system, which encourages profitability, loan recovery, and savings mobilization. The Micro Business Division freely sets its own loan terms, although transfer prices (discussed below) are set by the parent company. The commercial approach applied by the BRI Units is reflected in their application of cost-recovery lending interest rates and maintenance of an interest rate spread sufficient to cover the high costs of servicing small loans and deposits.