November 17, 2025 | 04:20 pm
TEMPO.CO, Jakarta - Indonesian Minister of Micro, Small, and Medium Enterprises (MSME), Maman Abdurrahman, emphasized that all SME Credit (KUR) submissions up to Rp100 million cannot be accompanied by requests for additional collateral. He mentioned that the provisions are final and must be complied with by all distributing banks.
Nevertheless, Maman admitted that there are still cases where field officers request guarantees from small debtors. He urged businesspeople to report immediately if they encounter such practices. "Report it formally, we will definitely follow up," said Maman to journalists at the Coordinating Ministry for the Economy, Central Jakarta, Monday, November 17, 2025.
The minister stated that banks that distribute KUR and violate these provisions will face sanctions. The government will stop KUR subsidies to banks proven to be in violation.
According to him, several banks have already received similar sanctions based on verified public reports. Therefore, he encouraged various parties to report their findings in the field as well.
To strengthen supervision, the Ministry of MSME is preparing an integrated reporting system called "Sapa UMKM" (Greet MSME). This platform will gather all complaints related to KUR from business actors in various regions, especially areas that have had difficulty accessing conventional complaint mechanisms, such as Papua, Sulawesi, Kalimantan, and Sumatra.
Maman added that the "Sapa UMKM" platform will be completed by December of this year. Once this platform is active, MSME actors from any region will be able to file complaints online, eliminating their reliance on conventional systems. "After December, our brothers and sisters from any corner can directly submit reports via Sapa UMKM," he said.
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