By Locodal invites Minister Maman MSMEs into the financial set

Jakarta – Minister of Micro, Small and Medium Enterprises (UMKM) Maman Abdurahman has called on MSME fans to be more disciplined in the management of finance, especially for their business capital. According to him, high discipline is needed, so MSMEs can optimize financing of access to government programs. It was revealed by him when he opened the Capital Access Locomotive Program (Lokamodal) in Garut Regency, West Java. “We have two financing programs. The KUR (People’s Business Credit) program with government subsidies and financing programs outside Kur,” Maman said in a written statement on Thursday (9/25/2025). Browse to continue with the content Maman said, there are MSMEs using capital of government programs, in addition to developing their business. This can lead to the business not going into class and exacerbating the credit assessment in silt. As a result, MSMEs with poor credit values ​​will be increasingly difficult to apply loans. “No matter how good access to capital to business is, but will not be useful without discipline to manage finances,” he said. Maman added that MSMEs could also gain access to financing through the use of land rights certificates (SHAT) supported by the Ministry of ATR/BPN. Shat can be used as a guarantee for MSME loans. In addition, MSMEs can increasingly stand up with the alternative financing beyond Kur the results of the collaboration between the Ministry of Umkm and Baznas, PT Pegadaian, PT Permodalan National Madani (PNM) and Bank BJB. “The government is always ready to help its people. But don’t abuse the comfort of access given by the government so MSMEs’ business capital can get,” says Maman. The inauguration of the Locamodal program in Garut Regency is linked to the agenda of the signing of a Memorandum of Understanding (MOU) between the UMKM minister, Maman Abdurahman, and Deputy Minister of ATR/BPN Ossy Dermawan. On that occasion, Deputy Minister Ossy said that the Ministry of ATR/BPN is committed to supporting MSMEs by granting land rights in the form of ShAT as access to business financing. “The Ministry of ATR/BPN will help to help fund empowerment access from the economic side through the agrarian reform program. We are ready to help and support MSMEs in Indonesia to grow,” Ossy said. Minister Maman, together with Deputy Minister Ossy, subsequently handed over the 10 MSMEs and symbolically handed over Garut Regency to 16 micro entrepreneurs. On the same occasion, Deputy of the Micro Business Ministry of Umkm Riza Damanik revealed that funds were distributed from RP 1.2 trillion kur in Garut Regency to 30,000 MSMEs. “But there are still many MSMEs who did not receive formal capital access. The MSMEs Ministry initiated Locamodal to bring MSMEs together that were not reached by Kur to obtain easier and lighter alternative financing sources,” he said. Riza said that as many as 550 micro entrepreneurs from Garut Regency received the Shat that could be used as financing access. This micro business is compiled based on criteria such as a business number (NIB), which actively produces a minimum of a year and has a business asset certificate. “We are optimistic that MSMEs are increasingly contributing to the national economy and creates work of higher quality at the same time,” Riza concluded. (AKD/AKD)