2022 State Budget and Fiscal Incentives Presentation
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Integration of Various Types of Social Assistance and Financing
for Super Micro and MSMEs is Continually Encouraged
The Government has began to empower super micro, micro and small businesses that are un-bankable through Productive Presidential
Assistance & Pre-Work Card programs, while the BUMN through the partnership and community development program (PKBL) and private
parties with CSR.
Based on KUR Super Micro scheme, people could have loans with 0% interest until December 31, 2020. Meanwhile, People's Business Credit
(KUR) for micro small and medium enterprises (MSME) is given an additional interest subsidy of 6% until 31 Dec 2020. For 2021, MSME is
given an additional interest subsidy of 3% for 6 months, so MSME pays 3% interest.
A
Commercial Financing Patterns
Social
Assistance
F
Unbanked
B
Fully commercial loan
Subsidized loan
Special scheme of
commercial loan
Rolling soft loan
C
CSR
D
E
Productive Presidential
Assistance & Pre-
employment Card
Partnership and Community
Development Program (PKBL) &
Private CSR
Bankable
MSMEs Financing
Mekaar UMi
BWM LPDB*
KUR Super
Micro
People's Business Credit
Commercial
(KUR) Regular
Facilities
Social grants
Private PKBL & CSR Funds
Interest Subsidy from the
Government
Government
Guarantee
Market
Mechanism
Source: Coordinating Ministry for Economic Affairs
Business Ability
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