Integrated Information System
for Small-Scale Enterprise Development
SI-PUK
The development of SI-PUK is closely related to the policy and strategy of Bank of Indonesia in promoting the development of small enterprises, which has been carried out since 1978 until the implementation of Act No. 23/999. It is a mean for small enterprises development through the provision of useful information.
According to Act No. 23/1999 Bank of Indonesia is not allowed to provide direct financial supports in term of KLBI to business entities including small enterprises. The role of Bank of Indonesia is to provide indirect supports through maintaining the stability of exchange rate, establishing healthy banking including BPR, supporting an Islamic banking system, regulating loan policy, and providing technical supports and facilities. The following activities are conducted to support small enterprises:
1. Training
Training for banks is intended to introduce, motivate, and develop the capacity of banks to facilitate and finance micro or small enterprises as well as to develop a synergic relationship between banks and micro or small enterprises. For micro enterprises, the training is focused on the group lending system through a bank and community group relationship project (PHBK). For small enterprises, the training is tailor-made according to the needs of banks for small enterprise development.
2. Research
The scope of researches includes all banking aspects for increasing loan to small or micro enterprises as regulated by Bank of Indonesia. The research object is determined annually according to the work plan and needs.
3. Provision of information
Types of information provided include loan data, potential commodities to be developed in district and sub district levels, potential export commodities, lending model for small enterprises, loan-obtaining procedure, and other information related to loan for small enterprises. Dissemination of information is carried out through mass media, electronic media and seminar or workshop.
The success of a program depends on the supporting information. SI-PUK is a set of internet-based information systems, which designed by Bank of Indonesia to support banks and financial institution to provide loan for small enterprises. It is an integrated and user-friendly system, which consists of the following sub system :
- Information system of Baseline Economic Survey (SIB)
- Information system of export-oriented agroindustry (SIABE)
- Information system of Lending Model for small enterprises (SI-LMUK)
- Decision support system for investment (SPKUI)
- Information system of loan obtaining procedure (SI-PMK)
The development of SI-PUK is encouraged by the fact that small enterprises have a strategic role to the national development, particularly in providing job opportunity and distributing equally the products of development. The characteristics of small enterprises includes :
- High number and widely distributed in various economic sectors
- Large potency for job opportunity
- Ability to utilize local resources and to produce goods needed by community at reasonable price.
As a commitment of Bank of Indonesia, since 1978 BI has been conducting activities to support the development of small enterprises. Through a Small Enterprises Development Project (PPUK), BI provides technical supports to banks for increasing access of banks in financing small enterprises. One of the supports is the provision of information resulted from researches conducted by BI in collaboration with university research centers. It includes (1) Baseline economic survey, (2) research on export-based agroindustry, and (3) research on lending model for small enterprises.
The information is provided in an integrated system to make easy for users that related to the development of small enterprises to use it. The system is called SI-PUK, which accessible through web site of BI and provided both in Bahasa Indonesia and English.
