PT Bank Syariah Indonesia Tbk (BSI) remains consistent in accelerating the development of micro, small, and medium enterprises (UMKM) to elevate their business capacity. The bank actively supports the SME segment, which acts as a crucial bridge between micro businesses and corporate-level enterprises.
BSI positions itself as the largest sharia bank committed to advancing UMKM development through comprehensive assistance. This includes mentoring, capacity-building training, digital access provision, and facilitating business matching to help SMEs expand internationally. These steps reinforce UMKM’s role as a backbone of the national economy.
The Retail Banking Director of BSI, Kemas Erwan Husainy, emphasized the significant contribution of the SME segment to BSI’s rapid business growth. He noted that developing a healthy SME segment is challenging due to the need to enhance both the capacity of clients and their business operations.
To address these challenges, BSI has implemented a strategic acceleration program targeting non-bankable segments, from micro to SME businesses. The approach includes identifying promising businesses, managing risks carefully, and supporting productive sectors poised for growth. These efforts aim to foster businesses that are competitive, sustainable, and stable.
By the third quarter of 2025, BSI’s SME financing demonstrated solid growth and contributed significantly to the bank’s healthy financing portfolio. As of September 2025, SME financing reached approximately Rp22.94 trillion, reflecting a year-on-year increase of 12.20%. This financing ecosystem currently supports over 15,000 customers.
Key sectors within the SME segment include agriculture, trade, education, and healthcare. These sectors align with government priorities and benefit from various ongoing development initiatives. BSI aligns its financing approach with the principles outlined in POJK No.19/2025, which regulates accessible financing for UMKM. The bank ensures that credit approval processes remain uncomplicated, while maintaining good corporate governance (GCG).
To further accelerate SME growth, BSI focuses on providing working capital and investment financing ranging from Rp500 million to Rp25 billion (approximately $33,000 to $1.65 million USD). The bank takes an aggressive stance on expanding the value chain ecosystem of existing SME businesses, which has grown by 88.04% year-on-year.
BSI’s strong commitment reflects its corporate responsibility to actively support economic growth in Indonesia. This aligns with the government’s national development programs and the bank’s own strategic goals, known as Asta Cita. Through sustainable financing and strategic partnerships, BSI contributes to creating a more robust SME sector, thereby strengthening the overall national economy.