The document summarizes Indonesia's economic challenges from a banking perspective to support an innovation-driven economy. It outlines that Indonesia faces structural problems such as dependency on agriculture/resources, poor infrastructure, low human resource quality, and inefficient bureaucracy that impact various sectors. Specifically, it notes Indonesia spends less than other Asian countries on research and development and has a dominant lower middle class segment. The document argues that creative, innovative solutions are needed to develop a value-added economy and addresses how banks can help finance non-basic sectors.
Scenario Planning Analisis Lingkungan Stratejik Lembaga Ketanahan Nasional RIDadang Solihin
Dokumen tersebut menggambarkan latar belakang dan kualifikasi Dadang Solihin. Ia adalah seorang pejabat senior pemerintah dengan pengalaman lebih dari 33 tahun di berbagai lembaga pemerintahan. Ia juga memiliki gelar doktor dan sarjana dari berbagai universitas ternama.
Dokumen ini membahas perilaku mahasiswa komunikasi UI dalam menggunakan dompet digital atau e-wallet untuk bertransaksi. Penelitian menemukan bahwa penggunaan e-wallet dipengaruhi oleh ketersediaan merchant, promosi menarik, dan kepraktisan. Penelitian juga menunjukkan bahwa setiap e-wallet memiliki fungsi yang berbeda. Penggunaan e-wallet telah mengubah perilaku mahasiswa menjadi jarang membawa uang tunai dan lebih
Telkom memiliki peluang untuk memperluas jaringan 4G-LTE, masuk ke pasar baru di negara berkembang, dan meningkatkan penggunaan data di Indonesia. Namun, regulasi pemerintah dan kompetisi dari operator lain menjadi tantangan bagi perusahaan.
Dokumen tersebut membahas tentang penerapan manajemen risiko di lingkungan Kementerian Keuangan, mencakup proses manajemen risiko dan struktur pengelolaannya.
Scenario Planning Analisis Lingkungan Stratejik Lembaga Ketanahan Nasional RIDadang Solihin
Dokumen tersebut menggambarkan latar belakang dan kualifikasi Dadang Solihin. Ia adalah seorang pejabat senior pemerintah dengan pengalaman lebih dari 33 tahun di berbagai lembaga pemerintahan. Ia juga memiliki gelar doktor dan sarjana dari berbagai universitas ternama.
Dokumen ini membahas perilaku mahasiswa komunikasi UI dalam menggunakan dompet digital atau e-wallet untuk bertransaksi. Penelitian menemukan bahwa penggunaan e-wallet dipengaruhi oleh ketersediaan merchant, promosi menarik, dan kepraktisan. Penelitian juga menunjukkan bahwa setiap e-wallet memiliki fungsi yang berbeda. Penggunaan e-wallet telah mengubah perilaku mahasiswa menjadi jarang membawa uang tunai dan lebih
Telkom memiliki peluang untuk memperluas jaringan 4G-LTE, masuk ke pasar baru di negara berkembang, dan meningkatkan penggunaan data di Indonesia. Namun, regulasi pemerintah dan kompetisi dari operator lain menjadi tantangan bagi perusahaan.
Dokumen tersebut membahas tentang penerapan manajemen risiko di lingkungan Kementerian Keuangan, mencakup proses manajemen risiko dan struktur pengelolaannya.
Bonus demografi sendiri merupakan masa transisi demografi, yaitu terjadinya penurunan tingkat kematian yang diikuti dengan penurunan tingkat kelahiran dan dapat digunakan untuk meningkatkan pertumbuhan ekonomi dengan memanfaatkan penduduk usia produktif secara optimal.
Dokumen tersebut membahas tentang bonus demografi di Indonesia dan tantangan serta peluangnya. Bonus demografi terjadi ketika jumlah penduduk usia produktif lebih besar dibandingkan usia non-produktif, yang akan terjadi di Indonesia hingga 2030. Pemerintah perlu memastikan pendidikan berkualitas agar SDM dapat memanfaatkan bonus demografi secara optimal untuk pertumbuhan ekonomi dan kesejahteraan rakyat.
BAB 3. Perilaku Dalam Organisasi (Sistem Pengendalian Manajemen)Audria
Teks tersebut membahas tentang perilaku dalam organisasi, termasuk pengertian perilaku organisasi, tujuan organisasi, dan faktor-faktor yang mempengaruhi keselarasan tujuan antara individu dan organisasi. Beberapa poin penting yang dijelaskan adalah bahwa tujuan organisasi ditentukan oleh CEO dan dapat berupa profitabilitas, maksimalkan nilai pemegang saham, atau pendekatan multiple stakeholder. Budaya organisasi dan gaya manajemen merup
21 e-commerce digital markets, digital goods / E-COMMERCE: PASAR DIGITAL, BAR...reidjen raden
Dokumen tersebut membahas tentang e-commerce dan barang digital. Secara singkat, dokumen menjelaskan bahwa (1) barang digital dapat didistribusikan melalui jaringan internet dengan biaya yang rendah, (2) terdapat berbagai model bisnis e-commerce seperti bisnis ke konsumen, bisnis ke bisnis, dan konsumen ke konsumen, (3) pemasaran e-commerce menggunakan berbagai format iklan seperti iklan mesin pencari dan email.
Laporan tersebut memberikan ringkasan industri semen di Indonesia pada tahun 2021. Terdapat peningkatan investasi dan jumlah proyek di sektor konstruksi sejak 2018 hingga 2020 meskipun pertumbuhan ekonomi mengalami penurunan. Hal ini disebabkan kebijakan pemerintah yang membangun infrastruktur di berbagai daerah. Laporan ini juga menganalisis kapasitas produksi, penjualan, konsumsi, dan kinerja perusahaan-perusahaan semen
Arsitektur Pembangunan Daerah: Perspektif Sistem Akuntabilitas KinerjaAndy Kurniawan
Dokumen ini membahas arsitektur perencanaan pembangunan dalam perspektif akuntabilitas kinerja. Terdapat lima materi utama yang dibahas yaitu perencanaan dan sistem akuntabilitas, kerangka sistem perencanaan penganggaran dan pengendalian, hubungan antar dokumen dalam kerangka yang terintegratif, menyusun indikator kinerja dalam dokumen perencanaan dan penganggaran, serta permasalahan dan kerangka pemecahan masalah
Merupakan sebuah buku bungai rampai praktek inovasi administrasi negara pemerintah daerah dan LAN. Buku ini dikompilasi oleh Pusat Inovasi Tata Pemerintahan, Deputi Inovasi Administrasi, Lembaga Administrasi Negara.
COBIT (Control Objectives for Information and Related Technology) adalah kerangka kerja tata kelola TI dan kumpulan perangkat yang membantu manajer mengelola risiko bisnis, masalah teknis, dan kebutuhan kontrol. Dokumen ini membahas pengertian, sejarah perkembangan, manfaat, dan perbedaan versi COBIT serta penjelasan mengenai COBIT 5.
Kebijakan pengukuran pembangunan ketenagakerjaanervinjmb
Dokumen tersebut memberikan informasi mengenai Indeks Pembangunan Ketenagakerjaan (IPK) Indonesia dari tahun 2011 hingga 2015 yang menggambarkan kondisi pembangunan ketenagakerjaan secara komprehensif melalui 9 dimensi dan indikator utama."
Dokumen tersebut membahas tantangan dan peluang UMKM di Indonesia selama pandemi COVID-19. UMKM mengalami penurunan penjualan namun ada peluang dengan e-commerce dan pemasaran digital. UMKM disarankan untuk meningkatkan kualitas produk dan layanan serta membangun hubungan dengan pelanggan untuk bertahan di masa pandemi.
Perusahaan harus segera melakukan transformasi digital untuk dapat bertahan di era digital. Dokumen tersebut menjelaskan bagaimana inovasi disruptif dapat mengganggu bisnis yang ada dan menggantikan model bisnis lama. Perusahaan perlu membentuk tim digital dan berinvestasi jangka panjang untuk membangun infrastruktur, budaya, dan inovasi berbasis digital. Tanpa transformasi, perusahaan berisiko tidak mampu bersaing dan akhirnya gulung tikar.
Kuesioner ini bertujuan untuk mengumpulkan tanggapan responden terhadap produk Mr. PunkSit melalui pertanyaan mengenai informasi demografi, persepsi terhadap atribut produk, dan pengalaman berlangganan. Kuesioner terdiri dari pertanyaan tertutup yang meminta responden memberikan tanda centang pada kolom jawaban yang sesuai serta memberikan diskusi singkat mengenai hasil kuesioner dan atribut produk Mr. PunkSit.
Dokumen tersebut membahas tentang definisi, fungsi, dan sejarah Customer Relationship Management (CRM). Secara ringkas, CRM adalah pendekatan untuk mengelola hubungan dengan pelanggan agar loyal dengan mencatat setiap interaksi. CRM mulai berkembang pada tahun 1970-an ketika bisnis mulai berfokus pada pelanggan. Kemudian pada tahun 2000-an, CRM semakin berkembang dengan munculnya teknologi cloud computing.
Indonesia Fintech Conference 2016 - Rana PeriesRana Peries
This document contains links to various articles about thriving in a digital ecosystem, the need for banks to adapt to digital change, leveraging lean manufacturing principles to accelerate innovation, and disruption in the banking industry from new technologies. The links are from sources such as MIT Sloan Review, Accenture, Boston Consulting Group, and The Economist and cover topics around digital transformation, customer experience, and innovation in banking and manufacturing from 2014 to 2015. The document also includes the LinkedIn and Twitter profiles of Rana Peries.
Bonus demografi sendiri merupakan masa transisi demografi, yaitu terjadinya penurunan tingkat kematian yang diikuti dengan penurunan tingkat kelahiran dan dapat digunakan untuk meningkatkan pertumbuhan ekonomi dengan memanfaatkan penduduk usia produktif secara optimal.
Dokumen tersebut membahas tentang bonus demografi di Indonesia dan tantangan serta peluangnya. Bonus demografi terjadi ketika jumlah penduduk usia produktif lebih besar dibandingkan usia non-produktif, yang akan terjadi di Indonesia hingga 2030. Pemerintah perlu memastikan pendidikan berkualitas agar SDM dapat memanfaatkan bonus demografi secara optimal untuk pertumbuhan ekonomi dan kesejahteraan rakyat.
BAB 3. Perilaku Dalam Organisasi (Sistem Pengendalian Manajemen)Audria
Teks tersebut membahas tentang perilaku dalam organisasi, termasuk pengertian perilaku organisasi, tujuan organisasi, dan faktor-faktor yang mempengaruhi keselarasan tujuan antara individu dan organisasi. Beberapa poin penting yang dijelaskan adalah bahwa tujuan organisasi ditentukan oleh CEO dan dapat berupa profitabilitas, maksimalkan nilai pemegang saham, atau pendekatan multiple stakeholder. Budaya organisasi dan gaya manajemen merup
21 e-commerce digital markets, digital goods / E-COMMERCE: PASAR DIGITAL, BAR...reidjen raden
Dokumen tersebut membahas tentang e-commerce dan barang digital. Secara singkat, dokumen menjelaskan bahwa (1) barang digital dapat didistribusikan melalui jaringan internet dengan biaya yang rendah, (2) terdapat berbagai model bisnis e-commerce seperti bisnis ke konsumen, bisnis ke bisnis, dan konsumen ke konsumen, (3) pemasaran e-commerce menggunakan berbagai format iklan seperti iklan mesin pencari dan email.
Laporan tersebut memberikan ringkasan industri semen di Indonesia pada tahun 2021. Terdapat peningkatan investasi dan jumlah proyek di sektor konstruksi sejak 2018 hingga 2020 meskipun pertumbuhan ekonomi mengalami penurunan. Hal ini disebabkan kebijakan pemerintah yang membangun infrastruktur di berbagai daerah. Laporan ini juga menganalisis kapasitas produksi, penjualan, konsumsi, dan kinerja perusahaan-perusahaan semen
Arsitektur Pembangunan Daerah: Perspektif Sistem Akuntabilitas KinerjaAndy Kurniawan
Dokumen ini membahas arsitektur perencanaan pembangunan dalam perspektif akuntabilitas kinerja. Terdapat lima materi utama yang dibahas yaitu perencanaan dan sistem akuntabilitas, kerangka sistem perencanaan penganggaran dan pengendalian, hubungan antar dokumen dalam kerangka yang terintegratif, menyusun indikator kinerja dalam dokumen perencanaan dan penganggaran, serta permasalahan dan kerangka pemecahan masalah
Merupakan sebuah buku bungai rampai praktek inovasi administrasi negara pemerintah daerah dan LAN. Buku ini dikompilasi oleh Pusat Inovasi Tata Pemerintahan, Deputi Inovasi Administrasi, Lembaga Administrasi Negara.
COBIT (Control Objectives for Information and Related Technology) adalah kerangka kerja tata kelola TI dan kumpulan perangkat yang membantu manajer mengelola risiko bisnis, masalah teknis, dan kebutuhan kontrol. Dokumen ini membahas pengertian, sejarah perkembangan, manfaat, dan perbedaan versi COBIT serta penjelasan mengenai COBIT 5.
Kebijakan pengukuran pembangunan ketenagakerjaanervinjmb
Dokumen tersebut memberikan informasi mengenai Indeks Pembangunan Ketenagakerjaan (IPK) Indonesia dari tahun 2011 hingga 2015 yang menggambarkan kondisi pembangunan ketenagakerjaan secara komprehensif melalui 9 dimensi dan indikator utama."
Dokumen tersebut membahas tantangan dan peluang UMKM di Indonesia selama pandemi COVID-19. UMKM mengalami penurunan penjualan namun ada peluang dengan e-commerce dan pemasaran digital. UMKM disarankan untuk meningkatkan kualitas produk dan layanan serta membangun hubungan dengan pelanggan untuk bertahan di masa pandemi.
Perusahaan harus segera melakukan transformasi digital untuk dapat bertahan di era digital. Dokumen tersebut menjelaskan bagaimana inovasi disruptif dapat mengganggu bisnis yang ada dan menggantikan model bisnis lama. Perusahaan perlu membentuk tim digital dan berinvestasi jangka panjang untuk membangun infrastruktur, budaya, dan inovasi berbasis digital. Tanpa transformasi, perusahaan berisiko tidak mampu bersaing dan akhirnya gulung tikar.
Kuesioner ini bertujuan untuk mengumpulkan tanggapan responden terhadap produk Mr. PunkSit melalui pertanyaan mengenai informasi demografi, persepsi terhadap atribut produk, dan pengalaman berlangganan. Kuesioner terdiri dari pertanyaan tertutup yang meminta responden memberikan tanda centang pada kolom jawaban yang sesuai serta memberikan diskusi singkat mengenai hasil kuesioner dan atribut produk Mr. PunkSit.
Dokumen tersebut membahas tentang definisi, fungsi, dan sejarah Customer Relationship Management (CRM). Secara ringkas, CRM adalah pendekatan untuk mengelola hubungan dengan pelanggan agar loyal dengan mencatat setiap interaksi. CRM mulai berkembang pada tahun 1970-an ketika bisnis mulai berfokus pada pelanggan. Kemudian pada tahun 2000-an, CRM semakin berkembang dengan munculnya teknologi cloud computing.
Indonesia Fintech Conference 2016 - Rana PeriesRana Peries
This document contains links to various articles about thriving in a digital ecosystem, the need for banks to adapt to digital change, leveraging lean manufacturing principles to accelerate innovation, and disruption in the banking industry from new technologies. The links are from sources such as MIT Sloan Review, Accenture, Boston Consulting Group, and The Economist and cover topics around digital transformation, customer experience, and innovation in banking and manufacturing from 2014 to 2015. The document also includes the LinkedIn and Twitter profiles of Rana Peries.
Indonesian Banking from System Perspective 2013 @iStart Singapore eventYudy Yunardy
Indonesian banking layer, landmark and common system configuration as well as the possibility point of entry for IT start up company or mid to big size one.
Study case kelompok 3 bni life insuranceJan Larosa
Dokumen ini membahas tentang penerapan manajemen mutu total (TQM) di PT. BNI Life Insurance. Perusahaan ini telah menerapkan prinsip-prinsip TQM seperti fokus pada pelanggan, pendekatan ilmiah untuk pemecahan masalah, serta peningkatan berkelanjutan melalui kerja sama seluruh jajaran. Hal ini telah membantu BNI Life meningkatkan kualitas layanan dan memenangkan beberapa penghargaan.
Sofian Hadiwijaya is a Fintech expert from Indonesia who has 4 years of experience in global Fintech and 2 years experience organizing Fintech events. The document discusses how cash is still the dominant form of payment for many Indonesians, especially in smaller cities, but companies like Uber see potential in the Indonesian market as they have experimented with cash payments successfully in other markets. It provides contact information for Sofian Hadiwijaya.
Indonesian Mobile Market Research Dec 2014Andryan Gouw
Indonesia has a population of over 250 million people and GDP per capita of $4,271. Mobile phone penetration is high at 278 million subscribers or 110% penetration, while internet penetration is lower at 80 million or 32%. The top three mobile network operators are Telkomsel, XL Axiata, and Indosat, capturing over 75% of the market. Smartphone penetration is growing rapidly from 9% in 2012 to an estimated 85% in 2015. Local mobile brands like Evercoss and Smartfren are also popular. Major internet companies in Indonesia include Lazada, Traveloka, and Detik. Top mobile websites based on usage are Google, Facebook, Blogspot, YouTube, and Detik.
Financial technology (FinTech) uses software to provide financial services and disrupt incumbent financial systems. In Indonesia, the FinTech ecosystem is growing as the population of 255.5 million includes a large middle class of 88 million, though only 36% of the population owns bank accounts. The market is ripe for FinTech innovation with 83.6 million internet users and 85% of the population using cellular networks, while only 2% of the population are entrepreneurs.
Dokumen tersebut membahas delapan segmen konsumen kelas menengah di Indonesia berdasarkan tiga dimensi yaitu sumber daya, pengetahuan, dan koneksi sosial. Delapan segmen tersebut adalah Performer, Aspirator, Expert, Climber, Busy Bee, Socialite, Family First, dan Traditionalist.
[White Paper] Indonesia 2020: The Urban Middle-Class MillennialsHasanuddin Ali
Dokumen tersebut memprediksi wajah Indonesia pada tahun 2020, yang akan didominasi oleh penduduk perkotaan kelas menengah dan generasi milenial. Populasi perkotaan diperkirakan mencapai 56,7% pada tahun 2020 dan 66,6% pada tahun 2035. Kelas menengah diperkirakan terus bertumbuh dan akan menjadi motor penggerak ekonomi. Generasi milenial juga akan menjadi bagian besar dari populasi Indonesia pada tah
Fintech refers to technology-enabled innovation in financial services that could disrupt traditional models. Global fintech investment has grown substantially since 2010, led by North America. Consumer banking and payments are seen as the areas most likely to experience disruption. Fintechs focus on single services and extract value from data, while traditional banks offer multiple services and extract value from products. This evolution may help address Indonesia's large financing gap, as over half of its population lacks bank accounts and most small businesses rely on own funds rather than loans. Emerging fintech models like peer-to-peer lending, crowdlending, and online marketplaces could help connect borrowers and lenders in new ways.
Fintech is gaining popularity recently, a great number of Fintech startups are emerging nowadays. Fintech has huge potential in Indonesia as it provides solutions which are not offered by conventional banking institutions. New model of payment and investment option become more familiar through online financial service. Fintech in Indonesia does not spared from government regulation, to make sure financial products that startup's offered are not harmful toward society, OJK as the policy holder will soon pass a law to regulate the growing fintech startup in Indonesia. All information about fintech startup, available sectors, and forecast growth will be available in this report.
A report about Fintech Indonesia and all Fintech Statups in Indonesia powered by www.Fintechnews.sg/Indonesia. Also Check Out the Facebook Page: https://www.facebook.com/Fintech-Indonesia-177477972669098/
Overview of industry trends and insights of Fortune 500 companies and startups' activities in the FinTech space. We cover banking tech (security, crm, analytics), payments (pos, money transfer, commerce), cyber currency (blockchain, bitcoin, wallets, cryptocurrency exchanges), business finance (lending, crowdfunding), personal finance (lending, wealth management, mortgage, credit), and alternative cores (banking, insurance).
Pro-growth Fiscal Policy - Benjamin Diokno SWIFTAsiaPac
The document discusses several key points regarding fiscal policy in the Philippines:
1) The Philippines has one of the highest corporate income tax rates in ASEAN at 30% while countries like Thailand have lowered theirs to attract more foreign direct investment.
2) The tax system could be reformed to increase the VAT rate while lowering personal income tax rates to encourage savings and investment. Reducing taxes on interest income and corporate profits could also attract more foreign capital.
3) Introducing a nationwide real property tax could generate more tax revenue as the Philippines has overinvested in real estate rather than factories and farms. Overall the document argues for pro-growth fiscal reforms to make the tax system more competitive and productive.
Contribution of Financial Inclusion on the Economic Development of Nigeria 19...ijtsrd
Financial inclusion strategy was set up so that all people have access to banking and insurance services as well as financial literacy and capabilities that will help improve standard of living in the country. Therefore the study examined the contribution of financial inclusion on the economic development of Nigeria. Secondary data were collected from Central Bank of Nigeria statistical bulletin and UNDP Human Development Reports spanning from 1999 to 2020.The research work selected Nigeria as its sample and used the Error Correction Mechanism ECM to test the contribution of the explanatory variables Deposits from rural branches of commercial banks, Loans to rural branches of commercial banks, Number of Micro Finance Banks, Commercial Bank Loans to Small Scale Enterprise on the dependent variable Human Development Index .The findings from the study revealed that financial inclusion has not contributed significantly on the economic development of Nigeria for the period under review. The granger causality test also shows a unidirectional causality between financial inclusion and economic development of Nigeria. The results suggest that financial inclusion can help improve the standard of living of the country and reduce high unemployment rate in the country, if implemented effectively. The study therefore recommends that Central bank of Nigeria should approve the establishment of more micro finance banks in order to meet the financial needs of low income neighborhoods and rural dwellers. The Central bank of Nigeria should intensify efforts aimed at credit facilities to small and medium scale enterprises SMEs to boost financial inclusion in the economy by mandating banks to dedicate 10 of their net profit after tax to SMEs loans. Commercial banks should diversify their portfolios as this will help reduce various investment risks they face while extending financial service to the poor and rural dwellers in the country. There is need to improve the financial infrastructure in the country which will help banks in deposit mobilization especially the unbanked and rural dwellers in the country. Ogbonnaya-Udo, Nneka | Chukwu, Kenechukwu Origin "Contribution of Financial Inclusion on the Economic Development of Nigeria (1999 – 2020)" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-6 | Issue-1 , December 2021, URL: https://www.ijtsrd.com/papers/ijtsrd47748.pdf Paper URL: https://www.ijtsrd.com/management/accounting-and-finance/47748/contribution-of-financial-inclusion-on-the-economic-development-of-nigeria-1999-–-2020/ogbonnayaudo-nneka
The document discusses Indonesia's economic growth and potential by 2030. It notes that Indonesia has experienced strong and consistent GDP growth in recent decades, but will need to boost productivity by 60% to achieve its 7% annual GDP growth target. Key opportunities for Indonesia's economy include growing domestic consumption as the middle class expands to 135 million, capitalizing on its young workforce, and developing industries like agriculture, energy, and education. However, Indonesia also faces challenges like improving infrastructure, distributing growth more evenly, and building technical skills in its workforce.
The document discusses the importance of financial education in promoting long term savings and investments. It notes several challenges, including low levels of financial literacy and inclusion in Indonesia. The document outlines Indonesia's national strategy for financial literacy, which includes pillars for developing a literate society, strengthening financial infrastructure, and developing financial products and services. It also discusses delivering financial education through various channels and assessing program effectiveness through surveys. Overall the document emphasizes the role of financial education in supporting individual and national economic stability.
This document provides a summary of Indonesia's strategic growth plan and real estate market opportunities. It outlines Indonesia's MP3EI plan which aims to transform the country into a developed nation by 2025 through various economic programs. Key aspects of the plan include developing tourism and the Java economic corridor. The geographic focus is on Greater Jakarta which controls most of Indonesia's economic activity but faces issues like congestion. Upcoming government projects improving infrastructure in Greater Jakarta and Surabaya are also discussed. The real estate market analysis covers major cities like Jakarta, Surabaya, and Bandung, identifying opportunities in different sectors.
The document discusses the growth and development of Singapore over the past 50 years. It covers Singapore's strong economic growth and GDP increase, investments in educational and healthcare development that have contributed to high literacy rates and low infant mortality. It also describes Singapore's infrastructure developments, including major projects, that have positioned it as Asia's infrastructure hub with a robust ecosystem of professional services supporting projects.
The document discusses Indonesia's economy. It notes that Indonesia has a well-structured economy due to balanced development across industries. While agriculture historically contributed significantly to GDP, the industrial and services sectors have grown. The economy relies on agriculture, manufacturing, and services for growth. It discusses recommendations to enhance key sectors like improving market access for agriculture, permitting foreign investment in manufacturing, and increasing support for education to develop the services sector. The conclusion is that Indonesia has grown strongly but faces challenges improving livelihoods, health, education, and regional interconnectivity to support domestic supply chains.
Enhancing SME Competitiveness in Indonesia through Digital Engagement-R4Nita Felia Pambudi
1) SMEs make up over 98% of businesses in Indonesia but contribute a relatively small portion of GDP and exports due to challenges including lack of skills, financing, and innovation.
2) A study found education, capital, innovation, and business strategy positively impact SME performance, and a conceptual framework was updated to include level of digital engagement.
3) Most Indonesian SMEs have basic online presences but few utilize e-commerce, and primary industries have lowest digital adoption, suggesting enhancing digital capabilities could significantly improve SME competitiveness and economic growth.
Impact of Government Policies on productivityBirpartap Singh
Government policies have impacted productivity in various sectors in India. In manufacturing, total factor productivity growth was slow or negative from 1951-1979 but has not improved significantly in the post-reform period from 1980-2007. In agriculture, total factor productivity growth rates were approximately 1.45-2.33% per year between 1973-1993. In the automotive industry, policies like allowing 100% FDI and exempting manufacturing from licensing have supported growth. However, productivity in India's defense sector has been limited by the government's failure to sufficiently encourage private sector involvement in defense production.
This document summarizes a study that investigated the effect of technology adoption on the growth of youth-owned micro and small enterprises (MSEs) in Kenya. The study found that the majority of youth-owned MSEs lacked the capacity to acquire new technology and were not able to improve their products or services through technological innovation. MSEs often maintained their original products and services without innovation. The study recommends that MSEs be provided financial support to acquire appropriate technologies to enhance business growth. Governments should also encourage MSEs to adopt new technologies in order to increase innovation and competitiveness.
This document outlines an economic development strategy for Tunisia. It begins with an analysis of Tunisia's constrained economic system and the failure to conduct an economic transformation, noting that Tunisia's economy has been trapped in low productivity. It then discusses the need for an integrated development strategy with pillars including modernizing the state, building human capital and innovation, and ensuring social cohesion. Finally, it explores the opportunity of digital transformation to help unlock Tunisia's economic potential through leapfrogging to more advanced technologies. The overall aim is to develop a knowledge-based and inclusive economy through coordinated reforms and leveraging of new opportunities.
Auge y futuro desarrollo de las tecnologías de la Información y la Comunicaci...Fundación Ramón Areces
The document discusses the rise and future development of information and communication technology (ICT) in India. It notes that the ICT industry in India has experienced rapid growth and is expected to continue growing significantly. By 2020, the ICT industry's revenue is projected to reach $225 billion and employ over 14 million people directly and indirectly. The document also outlines opportunities for partnerships between Indian ICT companies and Spanish firms to transform businesses globally through innovative solutions.
Indonesia Investment Outlook and Policy DevelopmentNurman Hartono
This document provides an overview of investment opportunities and the economic outlook in Indonesia. It summarizes that Indonesia has seen strong and stable GDP growth in recent years, averaging over 5% annually. Foreign direct investment has also increased substantially each year and is concentrated in sectors like mining, food, and manufacturing as well as on the island of Java. The document promotes Indonesia as an attractive investment destination given its large population and middle class, strategic location in Asia, and political and economic stability in recent decades.
The document summarizes Indonesia's infrastructure development strategies and investment needs from 2015-2019. It outlines that Indonesia requires around IDR 5,452 trillion (USD 477 billion) in infrastructure investment over this period. This will help achieve targets like 100% electrification and water access, improving road quality, and increasing non-oil exports. Public-private partnerships are identified as important to meet financing needs, through improving the enabling environment for private investment and developing "shovel-ready" projects. One such major project highlighted is the National Capital Integrated Coastal Development, which aims to provide flood safety for Jakarta through a three phase sea wall and land reclamation project costing over USD 21.5 billion.
The document discusses key aspects of the Indian economy across various sectors including agriculture, industry, services, infrastructure, energy, health, education, and goals for the 12th five-year plan. It notes agriculture's contribution to GDP, employment, and as a supplier of wage goods and raw materials. It outlines challenges facing the sector like irrigation and finance, and steps taken like new crop varieties that increased productivity. For industry, it highlights its GDP and employment share and how reforms boosted certain sectors. In services, it emphasizes the growth of IT/ITes and potential in tourism. It stresses the need for investment and job creation in infrastructure like rail, ports, and roads. It also discusses issues and reforms needed in the energy, health
This document discusses financial inclusion and literacy programs in Indonesia. It provides background on Indonesia's economy and financial system, noting that only 20% of adults have formal financial accounts. It then outlines Bank Indonesia's programs to promote financial literacy, especially among micro-entrepreneurs and small- and medium-sized enterprises (SMEs). Surveys found that financial literacy positively correlates with education levels and impacts savings and borrowing behaviors. Bank Indonesia's programs include training modules on financial education and a study showing it leads SMEs to better financial management. The document concludes that financial education should be integrated with SME development, partnerships expanded to reach more groups, and programs replicated nationally to improve financial literacy.
Innovation for Inclusive Development Program Prospectus for 2011-2016iBoP Asia
This document outlines a program called Innovation for Inclusive Development (IID) that aims to study innovation in informal sectors in developing countries. The program goals are to understand how innovation in the informal sector can improve livelihoods and contribute to inclusive development. It will focus on the role of women and intermediaries between informal and formal sectors in activities like natural resources, services, and cultural industries. The intended outcomes are for universities in low- and middle-income countries to conduct research on innovation for inclusive development, for science granting councils to fund this research, and for governments to develop policies that encourage and support innovation for inclusive development.
International Journal of Business and Management Invention (IJBMI) is an international journal intended for professionals and researchers in all fields of Business and Management. IJBMI publishes research articles and reviews within the whole field Business and Management, new teaching methods, assessment, validation and the impact of new technologies and it will continue to provide information on the latest trends and developments in this ever-expanding subject. The publications of papers are selected through double peer reviewed to ensure originality, relevance, and readability. The articles published in our journal can be accessed online.
The Role of Financial Technologies in the Global Economyijtsrd
The article analyses the global trends in the development of financial technologies, and their role in the development of global economy. We tried to research the existing trends in the development of financial sector and highlight the nature of the new coming innovations. Taniev A. B "The Role of Financial Technologies in the Global Economy" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Special Issue | Modern Trends in Scientific Research and Development, Case of Asia , October 2020, URL: https://www.ijtsrd.com/papers/ijtsrd35768.pdf Paper Url :https://www.ijtsrd.com/economics/financial-economics/35768/the-role-of-financial-technologies-in-the-global-economy/taniev-a-b
Thailand aims to escape the middle-income trap and become a high-income country by 2030. To achieve this, the country is pursuing strategies focused on growth and competitiveness, inclusive growth, green growth, and improving internal processes. Major infrastructure investments are planned in areas like high-speed rail, road networks, and transportation to support these goals.
Similar to Indonesian Banking Outlook by Felia Salim (20)
Lomba KlIKustik 2014 terdiri dari 4 kategori yaitu fotografi, videografi, kuliner, dan akustik. Lomba ini terbuka untuk mahasiswa Indonesia di Belanda dan bertema "What does the next ambassador do/taste/proud of?". Peserta diwajibkan mengikuti aturan dan dapat mengirimkan karya secara digital atau langsung untuk dinilai oleh dewan juri. Keputusan juri bersifat mutlak.
Program PPI Belanda Goes to Campus bertujuan untuk menyebarkan informasi pendidikan tinggi di Belanda dan beasiswa terkait kepada pelajar dan mahasiswa Indonesia. Kegiatan ini akan diadakan di sekolah atau kampus Indonesia selama Juli-Agustus 2014 dengan melibatkan pelajar Indonesia di Belanda sebagai pembicara. Institusi pendidikan Indonesia sebagai tuan rumah berhak mendapatkan pembicara dan materi, serta publikasi di situs PPI Belanda, sementara ke
Grading systems differ across countries and can cause misunderstandings when students apply to universities abroad. This document compares grading scales in the Netherlands, US, and UK. It provides the typical distribution of grades for each system and notes that high grades are more common in the US and UK compared to the Netherlands. The document concludes with a conversion table to translate grades between the three countries' scales.
Lingkar Inspirasi Maastricht - Dubes Arif Havas Oegrosenoppibelanda
This document compares Indonesia and the European Union and discusses lessons that can be learned. It notes that while Indonesia and the EU face some similar challenges, Indonesia has grown significantly and is projected to become a major global economic power. It highlights that Indonesia can learn from the European Union's advances in technology, education, and maintaining social pluralism. The document advocates for Indonesia to further study European Union social issues and to apply lessons from the EU's innovations in areas like precision technology, automation, logistics, and renewables.
Catatan sekjend PPI Belanda 2012/2013 Ridwansyah Yusuf Achmad - semuappibelanda
Tulisan ini merangkum perjalanan satu tahun PPI Belanda di bawah kepemimpinan Ridwansyah Yusuf Achmad. PPI Belanda aktif melakukan berbagai kegiatan seperti mendukung KPK, diskusi, dan festival budaya. Mereka berusaha menjalankan tugas sebagai pelajar Indonesia di luar negeri yaitu menyebarkan gagasan, mengkritik pemerintah, dan menjadi duta bangsa. Selama setahun, PPI Belanda juga memb
The document summarizes the major global economic problems since 2007, including severe financial crises, weak GDP and industrial production growth, high unemployment, and volatility in financial markets. It analyzes factors like long-term business cycles, shifts in global economic power, and misguided policies that have exacerbated the problems. Looking ahead, it predicts another global recession by 2014/2015 led by a recession in the US, but more rapid growth in developing countries in the long run.
This document discusses the evolution of conceptual frameworks for understanding the relationship between space and learning/innovation. It argues that the knowledge economy has shifted from Knowledge Economy 1.0 to 2.0, with individuals rather than firms now seen as the primary agents and communities rather than regions shaping learning. Places are analyzed not as bounded territories but as spaces that attract diverse, spatially sticky individuals through combinations of traditional and social amenities, enabling overlapping conversations across communities on various spatial scales.
Does Indonesia need corporate farms by Ben Whiteppibelanda
This document discusses issues around food security, employment, and sustainability in Indonesian development. It questions whether Indonesia needs corporate farms, as large-scale industrial agriculture has not proven socially efficient. Smallholder farms have higher productivity per hectare and maximize employment compared to corporate farms. Alternative models where smallholders partner with agribusiness without giving up their land are suggested to be more beneficial options. The document concludes that corporate land deals close off opportunities for smallholders now and in the future, so smallholders should hold on to their land.
This document discusses incremental innovation and its importance for development in Indonesia. It defines incremental innovation as small, continuous improvements that build absorptive capacity over time. Incremental innovation is important because it leads to economic benefits and helps narrow technology gaps. Most firms, especially small- and medium-sized enterprises (SMEs), engage in incremental innovation. For Indonesia to benefit, it needs support local innovation systems involving firms, universities, government, and non-profits to help SMEs build absorptive capacity and participate in global value chains through activities like training, business services, and financing. Trends in globalization and large firms gaining more control of value chains also present opportunities and challenges for Indonesian SME inclusion.
This document discusses the experiences of an Indonesian company in developing and commercializing ECVT and ECCT technologies for cancer diagnosis and therapy. It provides an overview of the company's milestones in developing electrical capacitance volume tomography (ECVT) and electro-capacitive cancer therapy (ECCT) technologies. Key applications of ECVT discussed include industrial process imaging, brain imaging, and breast cancer scanning. ECCT is presented as a non-contact cancer therapy approach. Comparisons of ECVT and other imaging modalities for various applications are also provided.
Innovation Systems in Economic Development by Paul Benneworthppibelanda
This document discusses innovation systems and economic development. It begins by noting the importance of innovation and knowledge exchange for economic growth, and how this requires proximity between actors. It then examines the concept of innovation communities and how they involve connections between knowledge producers, exploiters, and other actors. The document also analyzes how regions can develop through improving both local and global connectivity between these innovation networks. It proposes that policy focus on identifying sites that can stimulate dynamic innovation networks both within and outside the region.
Prerequisites to Innovation-driven Economy by Faisal Basrippibelanda
This document discusses Indonesia's potential for innovation-driven economic growth and some challenges it faces. It notes Indonesia has natural resources and a large population but suffers from economic disintegration within the country, high logistics costs, and a trade deficit in food and fuel. It also summarizes that Indonesia has low rankings in indices like the Global Food Security Index and Logistics Performance Index. However, it sees opportunities in agriculture and improving its human capital through education to increase the formal workforce and support an innovation-driven economy.
This document discusses Indonesia's economic development opportunities and challenges after 2014. Key points include:
1) Indonesia has experienced a successful democratic transition and political/social stability since 1997 but faces challenges in developing innovation and improving infrastructure.
2) Indonesia is on track to become the 11th largest economy by 2020, joining the emerging economies of Brazil, Russia, India, China, Turkey and Mexico (E7).
3) Rapid urbanization, growth of the middle class, and younger workforce present opportunities for economic growth but also challenges around infrastructure, education, and developing manufacturing outside of Java.
Indonesia : Sustaining Momentum, Driving Competitiveness, adn Inclusiveness b...ppibelanda
This document summarizes Indonesia's economic progress and development goals. It notes that Indonesia has experienced steady high economic growth and increasing per capita income and GDP in recent years. Unemployment and poverty are declining while inflation remains under control. The government's debt to GDP ratio is also declining. Indonesia has a young population that will provide a demographic dividend if incomes continue rising. The government has ambitious plans to develop economic centers and corridors to integrate markets and strengthen competitiveness, aiming for Indonesia to become one of the world's 10 largest economies by 2045.
Acolyte Episodes review (TV series) The Acolyte. Learn about the influence of the program on the Star Wars world, as well as new characters and story twists.
Essential Tools for Modern PR Business .pptxPragencyuk
Discover the essential tools and strategies for modern PR business success. Learn how to craft compelling news releases, leverage press release sites and news wires, stay updated with PR news, and integrate effective PR practices to enhance your brand's visibility and credibility. Elevate your PR efforts with our comprehensive guide.
Here is Gabe Whitley's response to my defamation lawsuit for him calling me a rapist and perjurer in court documents.
You have to read it to believe it, but after you read it, you won't believe it. And I included eight examples of defamatory statements/
An astonishing, first-of-its-kind, report by the NYT assessing damage in Ukraine. Even if the war ends tomorrow, in many places there will be nothing to go back to.
04062024_First India Newspaper Jaipur.pdfFIRST INDIA
Find Latest India News and Breaking News these days from India on Politics, Business, Entertainment, Technology, Sports, Lifestyle and Coronavirus News in India and the world over that you can't miss. For real time update Visit our social media handle. Read First India NewsPaper in your morning replace. Visit First India.
CLICK:- https://firstindia.co.in/
#First_India_NewsPaper
El Puerto de Algeciras continúa un año más como el más eficiente del continente europeo y vuelve a situarse en el “top ten” mundial, según el informe The Container Port Performance Index 2023 (CPPI), elaborado por el Banco Mundial y la consultora S&P Global.
El informe CPPI utiliza dos enfoques metodológicos diferentes para calcular la clasificación del índice: uno administrativo o técnico y otro estadístico, basado en análisis factorial (FA). Según los autores, esta dualidad pretende asegurar una clasificación que refleje con precisión el rendimiento real del puerto, a la vez que sea estadísticamente sólida. En esta edición del informe CPPI 2023, se han empleado los mismos enfoques metodológicos y se ha aplicado un método de agregación de clasificaciones para combinar los resultados de ambos enfoques y obtener una clasificación agregada.
1. The Innovation – Driven Economy as The Fundamental of Indonesian Economic Growth :
From The Banking Perspective – Creating an Innovation
Culture
International Conference on Indonesia Development (ICID)
September 14, 2013
Institute of Social Studies (ISS), Erasmus University
The Hague, The Netherlands
2. Agenda
Indonesia Quick Snapshot
Indonesia Economic Challenges – Structural Problems
How to Support Innovation – Driven Economy
Solution & Concept for Innovation – Driven Economy
Closing Remarks
3. Agenda
Indonesia Quick Snapshot
Indonesia Economic Challenges – structural Problems
How to Support Innovation – Driven Economy
Solution & Concept for Innovation – Driven Economy
Closing Remarks
4. Indonesia Quick Snapshot
I. Strategically located with
significant economic size
II. Large Population and
Dominated by The Middle
Class
III. Economy rely on
Agribusiness, and Natural
Resources, but fishery?
IV. One of the largest democracy
with stable political condition
5. Indonesia Quick Snapshot: Sizable Economy
Source : Bank Indonesia, Badan Pusat Statistik
*) Forecast for September 2013
Parameter 2009 2010 2011 2012
March
2013
June
2013
July
2013
August
2013
2013*)
Economic Growth
(%)
4.5
6.1 6.5 6.23 6.02 5.81 na na 5.50
Inflation (%) y-o-y 2.78 6.96 3.79 4.30 5.90 6.90 8.61 8.79 10.0
Exchange Rate
(Rp/USD)
9,400 8,991 9,068 9,685 10,323 9,929 10,278 10,924 12,000
Export
(USD miliar)
116.5
157.73 218.02
190.1
6
15.00 14.74 15.11 Na 180.65
Import
(USD miliar)
96.9
135.61 190.14
191.7
1
14.70 15.59 17.42 Na 193.63
Reserve (Rp T) 66.11 96.21
110.12
3
112.8 104.8 98.1 92.67 Na 85
BI Rate (%) 6.50 6.5 6.0 5.75 5.75 6.0 6.5 7.0 8.0
Increasing growth trend since 2009
7. Indonesia Quick Snapshot: Huge Population Dominated by Middle Class
Page 7
Indonesia has large population more than 260 Million (one of the largest in the world).
Indonesia’s middle class has increased rapidly. In 1999, the number of Indonesia’s middle class was
around 25 million (25% of population), while in 2010 was estimated around 146 million (57% of
population).
The additional 90 million people with enough income to purchase goods beyond basic needs (during
2020-2030), is the biggest in the world - apart from India & China.
*According to ADB, Middle Class is classified as population with daily per capita
expenditure between $2-$20.
Note: - Population projected to grow by 2.5 million population
per year
Source: McKinsey Global Institute
8. Source : Masterplan for Acceleration and Expansion of Economic
Development of Indonesia, MP3EI
8 programs :
• Agriculture,
• Mining,
• Energy,
• Industrial,
• Marine,
• Tourism,
• Telecommunication and
• Development strategic area
Indonesia Quick Snapshot: Dependency on Basic Economy
Mainly, Indonesia economy still depend on basic economy of Agribusiness and Natural Resources
Focus the development was classified in 8 Programs, consist of 22 economic activities.
This strategy is adopt by BNI to develop its business strategy in the region
9. Indonesia Quick Snapshot: One of Largest Democratic
Country With Stable Political Condition
Government decentralisation become major issues many times, but figure shows that
majority of the GDP fastest growth is from outside Java
10. Agenda
Indonesia Quick Snapshot
Indonesia Economic Challenges – Structural Problems
How to Support Innovation – Driven Economy
Solution & Concept for Innovation – Driven Economy
Closing Remarks
11. Indonesia Economic Challenges: Structural Problems
Aspects
ChallengesFocus on Agriculture and Natural
Resources Exploiting Industry
Low infrastructure interconnectivity for
transportation, Information
Communication & Technology
Access to quality education and health facilities
affect the Human Resources Quality. Labour
Regulation issue
People tend to move to urban area that
raise new issues such as changing in
employment structure, land use conflicts
etc.
Infrastructure
Industry
Human Resources Quality
Urbanization
Dependency on natural resources will not be sustainable in the long run, innovation is needed to
create a value added economy
Creative
and
Innovative
Solution
Is needed to
Create Value
Added
Economy
Source: Master plan for Acceleration and Expansion of Indonesia Economic Development
12. Problems in Developing Business in Indonesia
Complexity / Inefficiency of Bureaucracy is considered to be the main factor that
affect business development in Indonesia.
No 2008 2009 2010 2011
1 Government
Bureaucracy
Government
Bureaucracy
Government
Bureaucracy
Corruption
2 Infrastructure Infrastructure Corruption Government
Bureaucracy
3 Corruption Political
Unstability
Infrastructure Infrastructure
4 Labor Law Corruption Access to
Finance
Political
Unstability
5 Inflation Access to
Finance
Inflation Access to
Finance
Source: WEF (2011), Reproduce
13. Inefficient Bureaucracy: Impact to Several Sectors (1)
Issues Impact
Unclear spatial planning
policy.
Regulation overlap
between Agricultural
Minister and Forestry
Minister
industry inefficiency
Poor output. Compared
Australia, farming land to total
population of Indonesia is lower 29,59%
v.s. 53,24%
Regulation overlap
between Agricultural
Minister and Trade
Minister (e.g. Beef and
Onion import)
Unclear regarding supply chain.
Indonesia beef consumption is
1,2kg/man/year, lower than Malaysia 6-
8 kg/man/year and Germany 60 Kg
Dependency on import is still high, even
fruits many times come from import
market
Indonesia is still
facing food
security issue
In the end, food
security issues will
affect Indonesian
Human Resources
Quality
Indonesia is one of the world largest agrarian country, but some regulation issues make
agribusiness industry development less optimum
Agribusiness
14. Inefficient Bureaucracy: Impact to Several Sectors (2)
Issue Impact
Too many legalization for
Oil & Gas Mining
Slow down in investment
70% of Indonesia energy
depend on coal that is non
renewable
Manufacturing sector is
not growing
Lack of Innovation (No
R&D)
High dependency on
import goods
Low energy supply affect
industry growth
Energy contribute to the
deficit of Indonesia
balance of payment
Indonesia is with Natural Resources incl. EnergyEnergy
With the abundant of natural resources, ideally indonesia has a strong
manufacturing facilities / down stream industries
Manufa
cture
Higher import dependency
and decreasing commodity
price in the middle of
depreciaiting exchange
rate, contribute to the deficit
of balance of payment and
trade
Issue Impact
15. Inefficient Bureaucracy: Impact to Several Sectors (3)
Issue Impact
Low infrastructure support high interest environment financial deepening
issues
Banking intermediary function is expected to support regional economic
growth, especially with high liquidity in bankingBanking
16. Bank Financing to a non value added Sectors
Page 16
Most Bank Financing allocated to trading & Services
that only residual.
17. Page 17
Indonesia Economic Challenges : Poor Infrastructure
It is cheaper to ship orange from
China - Jakarta compare to
Pontianak, West Kalimantan - Jakarta Cement price in Papua is more expensive 20
times to Jakarta due to transportation cost
Source: RJ Lino (2011) presentation, “Port Unity Indonesia – Pelindo II”
Container shipping cost:
Padang, West Sumatera – Jakarta = US$ 600
Jakarta – Singapore = US$185
Low interconnetivity has caused a high cost economy
18. Indonesia Economic Challenges : Human Resources Quality
32.3
64.3
3.4
Their
Occupation(%)
Government or public
institution
Private business or industry
Majority rural middle class are local entrepreneurs; while urban middle
class are employee (salaried jobs) in services industry
Sources: BPS dalamMarketeers, 2012
28
33
7
32
Level Education
(%)
Less thansecondary
completedsecondary
Some university education
without degree
Universitylevel education,
withdegree
One third of Middle Class population hold a university degree.
However, Indonesia Human Development Index rank at 124 out of 187 countries (medium level)
19. Indonesia Economic Challenges: Indonesia Budget on Research
1.47%
0.60%
0.26%
0.08%
China Malaysia Thailand Indonesia
Indonesia spend less budget on R&D compare to other Asian Countries
Source: World Bank article 2013
20. 75,0
20,1
4,7
0,3
0,0
57,0
30,9
10,8
1,1
0,2
<$2 (Poor)
$2-$4 (Low er Middle)
$4-$10 (Mid Middle)
$10-$20 (upper Middle)
>$20 (affluent)
%ThdPopulasi
1999 2009
Indonesia Economic Challenges: Dominant Marginal Middle Class
Source: The Rise of Asia’sMiddle Class, ADB
Note: Based on ADB definition, middle class are those who spend $2-$20 per day with
breakdown:
• $2-$4 expenditure = Lower Middle
• $4-10 expenditure = Mid Middle
• $10-$20 expenditure = Upper Middle
Indonesia should be aware with lower middle class segement that is risky to fall down below
poverty line
Indonesia’s Middle Class Structure
%ToPopulation
21. Indonesia Economic Challenges: “Middle Class Trap”
Although the demographic bonus (large productive age relative to population) offers many opportunities
for Indonesia’s development, but it could backfire if not carefully planned.
This situation has happened to many countries like South Africa, Brazil, Philippines and Russia (The
World Bank).
Failure to create jobs
The lack of quality in
human resources to
compete in the global
market
High economic burden
(i.e.high poverty rate); stuck from
emerging/middle income to a
higher income country group
Indonesia Obtain
demographic bonus in
2020-2030, but if:
Mitigation:
Increase jobs by promoting
investment. Need: infrastructure
development, supportive regulatory
system and environment.
Government policy should focus to
support the labor intensive sector
such as Agriculture and
Manufacture (including Creative
Industry & SMEs)
Build workers skills, including
technology awareness through
education.
Develop strong financial service
industry to support economic
activities.
Resource management
Gender Equity (access to finance
and markets).
22. Indonesia Banking Industry: A relatively low banking penetration
Indonesia is still under-Banked, on the other hand infrastructure availability has been a major obstable for
banks to expand its network
53%
21% 9%
2%
10%
5%
Commercial Banking Outlet DistributionCommercial Banking Saving Account Penetration
Source: BI
Note: Number of population aged 15yr old and above with access to formal financial institutions
Source: The Global Financial Inclusion Index 2012, World Bank
99% 98% 97% 97% 96% 96% 93% 88%
71% 64% 58% 56% 54% 48% 46% 35% 33% 27% 20%
Australia
Jerman
Perancis
Inggris
Jepang
Kanada
Korsel
AS
Italia
China
Turki
Brasil
Afrika
Selatan
Rusia
ArabSaudi
India
Argentina
Meksiko
Indonesia
Access To Financial Institutions Among G20 Countries
Note: Assuming people, on average, own 3 saving accounts
Source: LPS, BI
97 102 114
169 172 173
19.2% 19.7%
22.1%
0.0%
5.0%
10.0%
15.0%
20.0%
25.0%
-
50
100
150
200
250
2010 2011 Jun-12
# of Saving Account (mil) Population> 15yr (mil)
Saving Penetration Ratio
23. Indonesia Rank in a Global View
As part of the economic challenges issues, Indonesia has an unfavorable rank
as issued by several global institution
Indonesia Human
Development
Index rank at 124
out of 187
countries
(medium level)
Source :
http://www3.weforum.org/docs/
WEF_GlobalCompetitivenessReport
_2012-13.pdf
24. Agenda
Indonesia Quick Snapshot
Indonesia Economic Challenges – structural Problems
How to Support Innovation – Driven Economy
Solution & Concept for Innovation – Driven Economy
Closing Remarks
25. Page 25
With all the challenges and opportunities explained above, it is our
responsibility to answer this question:
How to create a value-added productive
sector through innovation
26. Developing Innovation-Driven Economy Framework
World Class
Output
Highly-
Skilled Jobs
High
Industry
Growth
Innovation Driven Economy
Industrial Policy Making
Government Facilitation
Value
Creation
Pursuit of
Innovation
Banking Sectors – Provide
capital needed to support
Innovation-Driven
Economy, especially the riil
sectors
Source: Innovation Journal – The Public Sector Innovation Journal Vol 10 (3), article 34
With all the resources and structural problems, all related party (Government & Private
Sectors include Banking, must work together to create an Innovation-Driven Economy Society
27. Agenda
Indonesia Quick Snapshot
Indonesia Economic Challenges – structural Problems
How to Support Innovation – Driven Economy
Solution & Concept for Innovation – Driven Economy
Closing Remarks
28. Page 28
One of Government Concept to Toward Innocation Driven Economy
Source : MP3EI
With this concept, Government is focus to solve structural problems in the economy
30. Page 30
Some Innovation to Minimise the Gap: Banking Innovation
SocietyBank Access to Finance
Innovation Driven
“Stringent regulations, intelligent customer, intense competition from non-banking
services, and tough economic environment requires banking industry become more
innovative than ever before! "
With high unbank population, Banking have to create innovation to increase access to
Finance. Bank need to figure out the KYC for the unbanked, in the meantime Government
finalize single ID (e KTP)
Banking society has to be able to leverage this huge market potential in the midst of
infrastructure limitation.
Mobile Financial Services:
the next generation business model for banks in Asia
Financial Inclusion / Banking the unbanked
High Street Banking
31. BNI Innovation: “Moving Up the Value Chain Ladder“
MICRO LENDING BNI WIRAUSAHA
(BWU)
SPECIAL
LENDING
PROGRAM
(KUR)
FACILITAT
ION
TRANSITION BANKABLE
STAGE
SEGM
ENT
MICRO SMALL
MIDDLE /
Corporate
COMMERCIAL &
CORPORATE
MORE COMPLEXDEVELOPMENT PERIOD
Interest subsidy
Requirements
relaxation
Educating the
beneficiaries
FEATURE
BANKABLE
CCR
NON BANKABLE
but feasible
PRODUCTIVE
POOR
“Grant”
Interest subsidy
Community Support
Support the Education
Support the health quality
improvement.
Government
INTERVENTION and
CSR
NON BANKABLE
MARGINAL/
UNPRODUCTIVE POOR
Social safety net
Untapped Market Commercially Viable
Untapped market: focus on basic needs fullfillment, health, education for children and start up company.
“Moving Up the Value Chain Ladder“ by understanding differentiated segment and individual
customer needs through IT based insight & analytics
Push The Financial Inclusion
Hutan Kota: Innovation for
Marginal Poor
Kampung BNI: Innovation for
Productive poor
32. BNI Innovation: Creating Internal Innovation Culture (1)
BNI adopt U-Theory which was invented by Prof. Otto Scharmer from MIT to develop
an innovative Leaders – Leading From The Future As It Emerges
33. BNI Innovation: Creating Internal Innovation Culture (2)
“U” Learning Journey
Foundation
Of “U“
Deep
Dive
After
Care
Prototy
ping
Exercises Exercises
•Check In Process
•Shadowing
•Stakeholders Interview
•World Cafe
•Sensing Journey
•Check In Process
•Case Clinics
•Connecting the DOT
•Word Cafe
•Prototyping
Leading From The
Future As It
Emerges
34. BNI Innovation: Creating Internal Innovation Culture (3)
Co – Creating Leading From The Future As It Emerges
35. BNI Innovation: Creating Internal Innovation Culture - Prototyping Selection Criteria
Page 35
Not all the ideas are ready to prototype, belows are the criteria for selecting prototyping
Ideas
36. LDP 1000 Protoype Presentation – Presentation of Ideas
Page 36
Presencing the futures through collective ideas
37. BNI Innovation: Other Inspiring Innovations by BNI
Platform based supply chain that cater whole segment in the “Value
Chain Ladder” from Corporate to small chain agent.
IT Based for “Modul Penerimaan Negara” in foreign exchange.
Mobile Remittance for Indonesian women labour in overseas.
There is also BINOVA, a place where all employee be able to put all their
idea to the table and yet rewarded.
BNI support creativepreneurship event, embrace entrepreneurship spirit
to young people.
Leveraging social media activity through BNI Social Media
38. BNI Innovation: Innovations in Progress
CRM System in Consumer & Retail project to build:
insight and analytics;
to enhance understanding of customer profile
(needs, risks, channel preferences, and supported by how
to monitor behaviour through single customer view, how to
sell and do campaign more effectively);
eventually Customer can choose or “Innovate” their own
needs
Otto’s Concept of Co-Creation – institution of 4.0
39. Innovation: Other inspiring Innovation
Innovation is not a something new. Many
countries and young people alredy started doing
innovation.
Directly of indirectly, their innovation is contributing
to minimize Indonesia structural challenge
40. Young Entrepreneur – to Create a Value Added Industry Beyond Basic
Economy
Activity
Yoris Sebastian Founder of OMG Creative Consultant.
Provide creative advice and suggestion for a company who need
a breakthrough
Leonard
Tanoesoebrata
Director Acupunto Indonesia.
Provide innovation in furniture industry with a specific design
Founder of Goods Department Store.
Capture the opportunity of rising middle class by open a dept
store with local products.
Arief Widhiyasa CEO Agate Studio.
Developer of local game from Bandung.
Adi Panuntun CEO Sembilan Matahari.
Creative film maker. One of his movie title “Cin(T)a” has been
distributed in several countries.
Irvan Helmi Founder of Anomali Cafe
Young entrepreneur who found a Coffee shop that able to
compete with global brand in Indonesia using Indonesia original
coffee.
Indonesia has some real success story in Innovation-Driven Economy initiated by young
entrepreneurs such as:
41. Page 41
State Owned Enterprise Innovation – To Create a value added economy
Category Company
Best Product Innovation of Financial Services PT. Bank Negara Indonesia
Best Technology Innovation of Agriculture PT. Perkembunan Nusantara V
Best Product Innovation on Energy and Mining PT. Semen Indonesia
Best Technology Innovation on Energy and Mining PT. Pertamina
Best Product Innovation on Infrastructure PT. TELKOM
Best Product Innovation on Logistic & Transportation
Sector
PT. Pos Indonesia
Innovation on Green Technology PT. Pembangunan Perumahan
Best Technology Innovation on Logistic &
Transportation Sector
PT. KAI
State Owned Enterprise Minister is trying to create an innovative culture in the
State Owned company
Source: Itech Magazine September Edition
42. Page 42
Gerakan Indonesia Mengajar By Anis Baswedan
An inspirating movement to
increase education level across
the nation. Young people with
passion leave the city
into isolated area to
share modern
knowledge to villagers
Sharing the passion and dream hope will
spark the younger generation to achieve a
higher dream to increase Indonesia human
resources quality
44. Agenda
Indonesia Quick Snapshot
Indonesia Economic Challenges – structural Problems
How to Support Innovation – Driven Economy
Solution & Concept for Innovation – Driven Economy
Closing Remarks
45. Key take aways
To all the Indonesian people, How do we adress all
those structural problems ?
An example that can be elaborated is the Idea of “Oil
or Coal to Cash to overcome Nature Resources Curse”
Can you do Research and policy recomendation for
improvement to create a better future of our country
and planet?
47. BNI Innovation: Hutan Kota
47
Hutan Kota BNI - Banda Aceh
Some locations of BNI’s Hutan Kota:
Aceh: Hutan Kota Gampoeng Tibang (6.75 Ha) and
Taman Kota Peulunggahan (1.5 Ha)
Bali: Hutan & Taman Kampus UNUD (35 Ha)
Jateng: Manahan Solo (17 Ha), Bukit Imogiri (15
Ha), dan Wonosari Gn. Kidul (1.7 Ha, to be)
DKI Jakarta: Taman Pakubuwono (3000m2, to be)
BEFORE
AFTER
It is widely known that City Forrest has
abundant of benefit….
Re-establishing green spaces and
Reducing the CO2 produced by
households, industryes, or automotives)
Filtering the ash, dust (through its trees).
Some plants is naturally neutralize air
acidity
Enhance environement eathetics.
Eco-tourism
Bio-diversity and species
48. Confidential
Gapura BNI
Sentra
benang untuk
tenun
industry
hulu :
Kapas
Benang
Warna
Craft’s Center
Tenun songket
Showroom
tenun
songket
Kelompok
Pengrajin
Tenun Songket
Program
Illustration:
KAMPOENG BNI
Promosi terpadu :
- BNI
- Pemerintah
Daerah
Cluster :
- Bapak angkat
- Ketua kelompok
- Koperasi
49. Page 49
Framework:
Guiding Principles Applied on CSR/CCR Partnership Program
DEVELOPMENT STAGE FIRST
INVEST IN EDUCATION
SIMPLE REQUIREMENT
TRUST & PARTNERSHIP: with trusted community organizer
LOCAL DEMAND
LOCAL STRENGTH & LOCAL WISDOM
RESTORING THE GOOD OLD VALUES/DESIGN: if relevant
REPLICABLE MODEL
RIGHTS PERSPECTIVE: gender perspective
WIDE IMPACTS: on social, ecological and economic livelihood
MULTI STAKEHOLDER
TEMPORARY FACILITATION: to create independency
VALUE ETHICS AND TRANSPARNCY
51. 51
Kondisi Perbankan Indonesia (2)
Secara umum, penyaluran kredit mengalami pertumbuhan 20.6%
(year on year) hingga kuartal kedua 2013.
Sektor perdagangan, industry, serta jasa usaha menyerap porsi
terbesar dibanding sektor lainnya, masing-masing sebesar
21.9%, 16.4%, dan 10.6%. Ketiga sektor tersebut juga mengalami
pertumbuhan yang tinggi hingga kuartal kedua.
Namun, ke depannya dengan adanya pelemahan nilai tukar
Rupiah, diperkirakan akan ada penurunan kinerja pada sektor
perdagangan, terutama terkait dengan ekspor dan impor, serta
sektor industry manufaktur terutama yang menggunakan bahan
Sumber : Bank Indonesia, diolah
Pertanian, 5.4% Tambang,
3.7%
Industri, 16.4%
Perdagangan,
21.9%
Listrik, Gas, dan
Air,
2.4%
Konstruksi,
3.7%
Trans. & Kom.,
4.8%
Jasa Usaha,
10.6%
Jasa sosial,
2.3%
Lainnya, 29.0%
Share Kredit Perbankan
per Juni 2013
17.1% 17.3%
24.9%
32.8%
21.1%
20.0%
26.5%
23.0%
14.8%
10.6%
Growth Kredit Perbankan
per Juni 2013 (yoy)
91.00 114.73 136.89 147.94 160.33
61.37 87.78 92.96 104.21 109.03
275.40 344.60 388.41 445.81 485.15
339.64 405.44 487.34 544.21 647.30
34.16 45.84
57.50 59.07 69.6563.50 75.40
90.78 95.92 108.9175.14 95.21
111.40 122.23
140.89
179.40 224.15
253.92 275.53
312.3244.23 57.98
59.93 62.29
68.80
602.05 748.98 774.63 850.65 856.74
Des '10 Des '11 Jun '12 Des '12 Juni '13
Perkembangan Kredit Perbankan
Menurut Sektor Ekonomi (Rp Triliun)
Pertanian Tambang Industri Perdagangan Listrik, Gas, Air
Konstruksi Trans. & Kom. Jasa usaha Jasa sosial Lainnya
52. 52
Kondisi Perbankan Indonesia (3)
Hingga semester pertama tahun ini, penyaluran kredit
perbankan, secara proporsional (pangsa) masih didominasi
oleh kredit modal kerja (KMK) yakni 47.6%.
Namun, jika dilihat dari sisi pertumbuhan, kredit investasi
(KI) mengalami pertumbuhan tertinggi (33.4%). Pertumbuhan
yang tinggi tersebut terkait dengan adanya proyek-proyek
infrastruktur, terutama terkait konstruksi yang dicanangkan
oleh pemerintah Indonesia hingga akhir 2014 yang akan
datang.
Sumber : Bank Indonesia, diolah
Kredit Modal
Kerja,
47.6%
Kredit
Investasi,
23.7%
Kredit
Konsumsi,
28.8%
Share Kredit Perbankan
berdasarkan Jenis
per Juni 2013
880.21
1,068.68 1,205.68 1,316.69 1,407.12
348.52
464.26
525.39
591.43
700.62
537.12
667.16
721.78
799.75
851.38
Des '10 Des'11 Jun '12 Des '12 Jun '13
Perkembangan Kredit Perbankan
Menurut Jenis (Rp Triliun)
Modal Kerja Investasi Konsumsi
16.7%
33.4%
18.0%
Modal Kerja Investasi Konsumsi
Growth Kredit Perbankan
berdasarkan Jenis
per Juni 2013 (yoy)
53. 53
Kondisi Perbankan Indonesia (4)
Dalam empat tahun terakhir ini (2010-2013), rasio NPL pada semua sektor terus menurun dan masih di bawah standar BI
(5%). Hal tersebut menandakan kondisi penyaluran kredit perbankan masih sangat prudent.
Namun, pelemahan nilai tukar Rupiah yang saat ini terjadi diperkirakan akan memukul beberapa sektor, yakni
perdagangan, industry manufaktur, dan pertambangan. Hingga akhir tahun 2013, rasio NPL diperkirakan akan sedikit di
atas 2%.
Sumber : Bank Indonesia, diolah
0.00
1.00
2.00
3.00
4.00
5.00
6.00
Des '10 Des '11 Jun '12 Des '12 Juni '13
Non PerformingLoan per Sektor (%)
Pertanian Tambang Industri Perdagangan Listrik, Gas, Air Konstruksi Trans. & Kom. Jasa usaha Jasa sosial Lainnya
54. 54
Kondisi Perbankan Indonesia (5)
Menurut kelompok DPK, deposito berjangka masih
memilik porsi paling besar. Namun, dilihat dari
pertumbuhan year on year hingga kuartal kedua
2013, semua jenis DPK berada pada tingkat yang hampir
sama (rata-rata sekitar 14%).
Kondisi tersebut menandakan ketatnya persaingan dalam
perebutan pangsa pasar DPK di industry perbankan
Indonesia. Artinya, sejauh ini kondisi perbankan di
Indonesia dinilai masih sangat kompetitif.
Dengan naiknya suku bunga acuan (BI rate), memaksa
beberapa bank menyesuaikan suku bunga dananya untuk
menjaga likuiditas.
Sumber : Bank Indonesia, diolah
Deposito,
43.9%
Tabungan,
31.6%
Giro,
24.5%
Share DPK per Juni 2013
1,069.81 1,233.97 1,298.37 1,381.30 1,481.02
733.16
898.30 939.20
1,076.83 1,066.01535.86
652.65
718.26
767.07
827.25
Des '10 Des '11 Jun '12 Des '12 Juni '13
Dana Pihak Ketiga
Menurut Jenis (Rp Triliun)
Deposito Tabungan Giro
14.1% (yoy)
13.50% (yoy)
15.2% (yoy)
7.2% (ytd)
-1.0% (ytd)
7.8% (ytd)
Deposito Tabungan Giro
Growth DPK per Juni 2013
55. Page 55
Year
Total Bank
Loan*
Indonesia
GDP
Loan to
GDP Ratio
2007 1,001.9 3,949.3 25.37%
2008 1,307.6 4,954.0 26.39%
2009 1,437.8 5,606.2 25.65%
2010 1,765.8 6,436.3 27.44%
2011 2,199.9 7,427.1 29.62%
Feb 2012 2,202.9 7,888.6 27.93%
Bank ForeignOwner Share Country
Bank Danamon Temasek 67.30% Singapore
Bank International Indonesia Maybank 97.50% Malaysia
CIMBNiaga CIMBGroup 97.90% Malaysia
Bank Ekonomi HSBCHoldingPlc 98.94% England
OCBCNisp OCBCBank 85.06% Singapore
Bank Swadesi Bank of India 76.00% India
Bank Permata Standard Chartered Bank 44.50% England
QNP Kesawan QatarNational Bank 65.59% Qatar
Indonesia has a relatively Low
financial inclusion as shown by Loan
to GDP Ratio only 29,62% in 2011
compare to Thailand (90.60%) and
Malaysia (116.10%).
This low financial inclusion is an
attractive opportunity for Banking
Business Penetration
It is also indicated by strong local
banks acquisition by foreign banks.
Indonesia is an Attractive Market for Foreign Investors
Financial sector is the most attractive sector for foreign investors as shown by foreign
ownership in local Banks.
Loan to GDP Ratio
Local bank Owned by Foerign
56. Perkembangan Ekonomi Indonesia: Pertumbuhan Bisnis BNI (1)
249
299
333 344
2010 2011 2012 2013*
Total Asset (Rp. Triliun)
136
164
201
223
2010 2011 2012 2013*
Total Pinjaman (Rp. Triliun)
72
70
78
84
2010 2011 2012 2013*
Loan to Deposit Ratio (%)
4.1
5.8
7.0
4.3
2010 2011 2012 2013*
Laba Bersih
Sejalan dengan pertumbuhan ekonomi, BNI terus berkarya untuk mendukung pertumbuhan
ekonomi bangsa
Sebagai wujud
komitmen
mendukung
pertumbuhan
ekonomi
nasional asset
BNI terus
bertumbuh
Sebagian besar
asset BNI
tertanam dalam
pembiayaan
yang dilakukan
kepada dunia
usaha
BNI terus
mengoptimalkan
penyaluran kredit
untuk mendukung
pertumbuhan
dunia
usaha, terlihat
dari LDR yang
meningkat
Melalui
pengelolaan asset
yang prudent dan
optimal, BNI
selalu
membukukan
kenaikan laba
bersih
* ) sampai dengan SM I 2013
57. Perkembangan Ekonomi Indonesia: Pertumbuhan Bisnis BNI (2)
Kekuatan jaringan yang tesebar luas di Indonesia dan luar negeri memperkuat
posisi bisnis BNI
58. 58
Peluang dan Tantangan Perbankan Indonesia (1)
1 Multi License Policy
• Regulasi Multi License diterbitkan pada Maret 2013 lalu, menuntut perbankan Indonesia untuk menaikkan
modal intinya. Sebab, secara garis besar beleid tersebut mengatur tentang pembatasan kegiatan usaha
bank berdasarkan modal inti yang dimiliki.
• Bank dibagi menjadi 4 kelompok (BUKU/Bank Umum Kelompok Usaha) yaitu BUKU 1 (modal inti ≤ Rp
1T), BUKU 2 (Rp 1T ≤ modal inti ≤ Rp 5T), BUKU 3 (Rp 5T ≤ modal inti ≤ Rp 30T) , dan BUKU 4 (modal inti ≥
Rp 30T).
• Implikasi dari aturan ini, banyak bank akan melakukan aksi korporasi strategis berupa:
merger, akuisisi, atau penambahan modal dari pemilik atau strategic partner.
2 Masyarakat Ekonomi ASEAN (MEA)
• Masyarakat Ekonomi ASEAN (MEA) akan mulai berlaku pada tahun 2015 mendatang, sedangkan khusus untuk
sektor perbankan akan dimulai pada tahun 2020.
• Dengan berlakunya MEA, maka memungkinkan adanya peningkatan arus pertukaran orang, modal, barang dan
jasa di antara negara-negara intra ASEAN. Kegiatan perbankan yang berkaitan dengan perdagangan ekspor-
impor antar negara tersebut akan meningkat secara signifikan.
• Namun sebelum MEA untuk sektor perbankan berlaku, diperkirakan mulai tahun 2015 hingga 2018 akan terjadi
transformasi pelaku industry perbankan dari negara-negara di ASEAN masuk ke perbankan nasional.
• Pelayanan jasa, teknologi IT, produk, bisnis proses perbankan akan semakin berkembang pesat dengan adanya
MEA tersebut.
Dibalik tantangan, selalu ada peluang……….
59. 59
Peluang dan Tantangan Perbankan Indonesia (2)
3 Keberadaan Bank-bank Asing di Indonesia
Adanya bank-bank asing yang berasal dari luar regional ASEAN pun menjadi ancaman bagi bank-bank nasional
dalam menguasai pangsa pasar perbankan di Indonesia.
Kemudahan bank-bank asing membuka kantor jaringan di Indonesia dalam rangka ekspansi bisnis, tidak serta
merta diikuti dengan kemudahan sebaliknya (asas resiprokal), yakni bank-bank nasional dalam membuka
kantor/jaringan di negara asal bank asing tersebut.
Namun, sisi positifnya masyarakat Indonesia yang bankable dapat makin bertambah, dengan adanya banyak
pilihan bank di Indonesia dengan program dan promosinya tersendiri.
Bank-bank asing terkenal dengan digital brand-nya, sistem IT yang mumpuni, kualitas SDM serta kualitas
pelayanan yang jauh lebih baik. Hal ini dapat menjadi pemacu bagi bank-bank nasional untuk meningkatkan
kapabilitasnya, terutama di bidang layanan.
4 Aturan Loan To Value (LTV)
I. Loan to Value Kepemilikan Properti (SEBI No.14/10/DPNP perihal Penerapan Manajemen Risiko yang
Melakukan Pemberian Kredit Pemilikan Rumah dan Kredit Kendaraan Bermotor)
Tujuan utamanya yaitu mengendalikan kenaikan harga aset properti yang tak terkendali, sehingga industry
properti terhindar dari ancaman bubble. Aturan LTV properti dari BI tentang uang muka kepemilikan rumah
sebesar 30%, dinilai dapat melemahkan industry properti nasional. Baru-baru ini terdapat wacana baru, yakni
uang muka kepemilikan rumah kedua sebesar 40%, dan rumah ketiga sebesar 50%.
II. Loan to Value Kepemilikan Kendaraan (SEBI No.14/10/DPNP perihal Penerapan Manajemen Risiko yang
Melakukan Pemberian Kredit Pemilikan Rumah dan Kredit Kendaraan Bermotor & Peraturan Menteri Keuangan
No.43/PMK.010/2012 tentang Uang Muka Pembiayaan Konsumen untuk Kendaraan Bermotor Pada Perusahaan
Pembiayaan)
Tujuan dari LTV ini yaitu, agar lembaga keuangan (multifinance) tidak terlalu mudah memberi fasilitas
pinjaman ke debitur/calon debitur untuk kepemilikan kendaraan. Sejak tahun lalu, BI melalui SEBI
No.14/10/DPNP sudah menerapkan aturan LTV untuk kepemilikan kendaraan bermotor, yakni uang muka
sebesar minimal 25% pada kendaraan roda dua, 30% pada kendaraan roda empat, serta 20% pada roda empat
atau lebih untuk keperluan produktif.
60. 60
Peluang dan Tantangan Perbankan Indonesia (3)
4 Aturan Loan To Value (LTV)
III. Wacana Loan to Value Bahan Baku Impor
Bank Indonesia (BI) berencana akan menerapkan loan to value (LTV) untuk kredit yang diberikan
pada sektor-sektor yang mengimpor bahan baku untuk mengurangi defisit neraca perdagangan sejak
kuartal kedua tahun 2013.
Beberapa komoditas/barang impor yang menjadi perhatian BI adalah bahan baku rumah
tangga, mobil penumpang, alat angkutan bukan industry, bahan bakar dan pelumas, olahan produk
minyak, suku cadang dan perlengkapan untuk barang modal, impor suku cadang dan perlengkapan
untuk alat angkutan.
Sebagaimana diketahui, defisit neraca perdagangan terus melebar karena impor yang masih naik, di
saat yang sama ekspor belum meningkat karena permintaan dan harga komoditas di pasar dunia
yang masih rendah (belum kembali normal).
5 Single Presence Policy (SPP)
Kebijakan ini disebut juga kepemilikan tunggal di industry perbankan, yaitu dengan pengecualian
beberapa pihak agar dapat menjadi pemegang saham pengendali untuk lebih dari satu bank.
Dampaknya, investor asing dapat masuk ke sektor perbankan Indonesia, dengan melihat potensi yang
sangat besar.
PBI No.14/24/PBI/2012 tentang Kepemilikan Tunggal Pada Perbankan Indonesia yang diperkuat dengan
Surat Edaran BI (SEBI) No.15/2/DPNP ini dimaksudkan untuk mengantisipasi dinamika perkembangan
perekonomian regional dan global, industry perbankan perlu meningkatkan ketahanan dan daya saing
sehingga memerlukan struktur perbankan yang kuat.
62. Profit & Loss Highlight
[ Rp Billions ] 2008 2009 2010 2011 Y.o.Y
Net Interest Income 9.912 11.133 11.721 13.196 13%
Non Interest Income 3.549 4.295 7.061 7.601 8%
Operating Income 13.461 15.428 18.782 20.799 11%
Operating Expense (7.228) (7.991) (9.643) (11.134) 15%
Pre-Provision Income 6.291 7.437 9.138 9.665 1%
Provisioning (4.359) (4.051) (3.629) (2.421) -33%
Non Operational Income/(Expense) 58 58 (24) 219 ~
Net Income before Tax 1.932 3.444 5.485 7.461 36%
Net Income 1.222 2.484 4.102 5.808 42%
Net Income Per Share (full amount) 80 163 266 312 17%
Page 62
63. BNI product
CREDIT & DEBIT Card to boost recurring fee
income
• Credit Card growth : > 20%
• Debit Card Transaction growth : > 20%
TAPLUS & Derivatives, [saving account]
To balance CASA – Non CASA composition
Target growth 2012: > 15%
BNI Griya [mortgage loan] with growth target in
2012 over 35%
BNI Wirausaha [small commercial loan size
US$5.000 – US$100.000] with growth target 15%
Cash Management, more extensive acquisition
and increased number of transaction
Trade Finance & Remittance, accelerate volume
through our overseas branches
Launched in October 1997
Balance: Rp, 4 trillion
# Applications: 95,000/month
# of cards holder: 2,4 millions
BNI Wirausaha (Commercial)
BNI Griya (Housing Loan)
TAPLUS & Derivatives (Savings Product)
Launched in 1989
Balance: Rp, 118,3 trillion
# Applications: 199.000/month
# of accounts: 13.1 million
Launched in 2007
Balance: Rp 3,15 trillion
# of account: 22,000
Launched in 2005
Balance: Rp, 18,1 trillions
# Applications: 5,000/month
# of accounts: 123.400
Product Focus 2012Key asset and liability products
Credit Cards (Visa & Mastercard)
Page 63
64. Indonesia Geography in Brief
Strategically located in main international
economic and trade Routes, between two
continents ( Asia & Australia) and two
oceans ( Pacific and Indian).
Endowed with huge population
(241 millions) and various natural resources
within its archipelago of 17
thousand islands that spread across 3 time
zone (total area 1,9 million km2).
There is only 2 season in Indonesia (Wet &
Dry), with temperature around 21–36 C,
make most of the land can be planted all
year round.
Indonesia are among the largest democratic
country in the world where the leader are
directly elected by the people.
Indonesia continues to have a stabil political
situation by a higher appreciation to
democracy in diverse etninicities and local
languanges
As one of the largest country in the world, Indonesia has many geography
advantages
65. Having a GDP size of nearly US$ 707 billion in 2010, Indonesia is the largest economy in Southeast Asia.
Much less affected by the global financial crisis than its neighboring countries, Indonesia’s economy
grew by 4.5% in 2009, 6.5% in 2011 and is expected to reach 6.4% this year, providing a case for Indonesia’s
inclusion in the so-called BRIC economies.
Indonesia Economy Profile
Indonesia is the Largest in South East Asian Economy
Page 65
Indonesia
41%
Thailand
18%
Malaysia
14%
Singapura
11%
Filipina
11%
Myanmar,
Kamboja,
Laos,
Vietnam
& Brunei
5%
Source: IMF 2011
-4
-2
0
2
4
6
8
10
12
14
16
Indonesia Malaysia Philippines Thailand Vietnam Singapore
2009 2010 2011
…with relatively stable growth rate, even during the crisis
The Biggest amongst ASEAN Country
66. Indonesia is experiencing a transition period in the structure of its population productive age. In the period of
2020-2030 the dependency index (which was started in 1970) will reach its lowest point thus increasing its
productive work force has one of the highest in the region. Implication of this condition is the increased
importance of job creations that will cater to the huge portion the population productive age.
Indonesia’s Demography
Page 66
Source : Masterplan for Acceleration and Expansion of Economic Development of Indonesia, MP3EI
Growing Population
67. Growing Middle Class Population
Page 67
Source: ADB, Worldbank, Trimegah
Indonesia’s middle class has increased rapidly since 1999, driven by favorable demographic, a credit cycle recovery
and a commodities boom. In 1999, the number of Indonesia’s middle class was around 25 million (25% of
Population) while in 2010 was estimated around 146 million (57% of Population).
0
0
0.1
0.2
0.3
0.4
0.5
0.6
0.7
0.8
0.9
1
PercentagetoPopulation
*According to ADB, Middle Class is classified as population with per capita expenditure between $2-$20.
Indonesia’s Middle Class
Reliance on domestic economy supported by a growing middle class population
68. Despite slowering global economic growth, Indonesia
Trade balance will maintain a contracting surplus
4,573
8,911
5,992
10,341
14,871
10,815
16,215
19,467
1,659
3,126
2,289
3,703
1,860
4,021
6,743
8,444
2004 2005 2006 2007 2008 2009 2010 2011
in USD million
Foreign Domestic
158
204
136
177
2004 2005 2006 2007 2008 2009 2010 2011
Export Import
Domestic & Foreign Direct Investment to Indonesia Indonesia Trade Balance (IDR Mio)
Source: BKPM and BPS
Investment Grade rating helps support maintain
economic activities and growth in 2012
Page 68
Indonesia Macro Economic Indicators
69. Resilience of Indonesia’s economy for 2012 will be supportive for industryes investment and development.
IDR exchange rate is expected to remain in the Rp 8,700-Rp 9,200 range. The Nation’s foreign reserve is forecasted to reach
USD 130 billion supported by higher investment activities driven by the nation’s investment climate, and recent up grade of
its credit rating.
Reliance on Domestic Economy
Indonesia’s GDP Growth & Structure (%) Reserves (USD billion) & Exchange Rates (IDR/USD)
130
Source: Bank Indonesia and BNI Estimate
60.6% 59% 57% 55% 54%
8.4%
10% 9% 9% 9%
27,7%
31% 32% 32% 33%
1,1% 2.8% 1.7% 1.4% 1%
6.10% 4.50% 6.10% 6.50% 6.50%
2008 2009 2010 2011 2012F
Private Consumption Govt Consumption Gross Investment
Net Export GDP
11,375
8700-9200
-
27.0
54.0
81.0
108.0
135.0
-
2,000
4,000
6,000
8,000
10,000
12,000
14,000
Dec-08
Jun-09
Dec-09
Jun-10
Dec-10
Jun-11
Dec-11
Foreign Reserve USD Bio IDRvs USD
2012F
Page 69
Sound macro economic indicators mainly supported by strong domestics consumption
followed by a surplus trade balance.
70. Source : Masterplan for Acceleration and Expansion of Economic Development of
Indonesia, MP3EI
Government released Masterplan for Acceleration and Expansion of Economic Development of
Indonesia (MP3EI) in Mei 2011. The masterplan have aimed “Transform the Indonesian economy into
a developed nation, which recognized by the world community, through high, inclusive, and
sustainable economic growth.”
Focus the development was classified in 8 Programs, consist of 22 economic activities.
8 programs :
• Agriculture,
• Mining,
• Energy,
• industryal,
• Marine,
• Tourism,
• Telecommunication and
• Development strategic area
Leading Economy Sectors Based in MP3EI
71. Bali-Nusa Tenggara Corridor
Tourism, Fishery, Livestock
Sulawesi Corridor
Food Crops,
Cocoa, Fishery, Nickel,
Oil-Gas
Sumatera Corridor
Palm Oil (CPO),
Rubber, Coal, Steel &
Sunda Strait Brigde
Papua-Maluku
Corridor
Food Estate, Cooper,
Livestock, Fishery,
Oil-Gas, Nickel
Kalimantan Corridor
Palm Oil (CPO),
Coal, Aluminum/
Bauxite, Oil-Gas, industryal
Forestry, Steel
Java Corridor
Food & Bev Ind., Textile, Transportation
Vehicle, Machinery, Transportation, Shipping, Military
Devices, Telematics, Metropolitans Areas of Jakarta-Bogor-
Depok-Tangerang-Bekasi & Surabaya-Gresik-Sidoarjo-Lamongan
Prospective industryes in 6 Economic Corridors
Source : Masterplan for Acceleration and Expansion of Economic
Development of Indonesia, MP3EI
72. Estimated Investments in Each Corridors
To support the development of the main economic activities within the corridors, the total
investment which will be implemented during 2011 - 2014 has been identified at about IDR 4,000
Trillion.
Source : Masterplan for Acceleration and Expansion of Economic Development of Indonesia, MP3EI
73. Challenges in Indonesia
Corruption remains a major challenge, but there is development such as :
The Political will to bring corruption under control has never been greater.
Development of civil society constrains corruption.
Anti-Corruption Agency receives considerable public respect,
1. CORRUP-
TION
2. LEGAL &
REGULATORY
ENVIRONMENT
LABOUR
LAW
3. PHYSICAL
INFRA-
STRUCTURE
ELECTRI-
CITY
INTERCON-
NECTIVITY
ROADS AIRPORT SEA PORT
TRAIN &
RAILWAYS
TELECOMU-
NICATION
74. Page 74
Principles Applied on CSR/CCR Partnership Program Incl. Start Up
DEVELOPMENT STAGE FIRST
INVEST IN EDUCATION
SIMPLE Requirement
TRUST & PARTNERSHIP: with trusted community organizer
LOCAL DEMAND
LOCAL STRENGTH and local wisdom
RESTORING THE GOOD OLD VALUES/DESIGN if relevant
REPLICABLE MODEL
RIGHTS PERSPECTIVE: Gender perspective
WIDE IMPACTS: on social, ecological and economic livelihood
MULTI STAKEHOLDER
TEMPORARY FACILITATION to create independency
VALUE ETHICS AND TRANSPARNCY:
75. Agenda
Indonesia – Country Profile
Indonesia Geography in Brief
Demography Profile
Growing Population
Growing Middle Class Population
Indonesia Economy
Macro Economic Indicators
Reliance on Domestic Economy
Leading Economy Sectors Based in MP3EI
Prospective industryes in 6 Economic Corridors
Estimated Investments in Each Corridors
Targeted Sectors – National & Regional
Indonesia – Netherland Statistics
Indonesian Banking Sector
Banking Sector Performance
BNI Roles in Supporting Indonesian Economy
Opportunities & Challenges Ahead
Closing Remarks
76. Hambatan Bisnis di Indonesia: Global Competitiveness Index
Hambatan birokrasi, Korupsi dan infrastruktur menjadi kendala utama dalam melakukan
bisnis di Indonesia sehingga peringkat Indonesia cenderung menurun
Sumber : http://www3.weforum.org/docs/WEF_GlobalCompetitivenessReport_2012-13.pdf
78. Targeted Sectors – National & Regional
Agriculture Electricity Oil, Gas &
Mining
Engineering
&Construction
ChemicalCommunication Retail &
Wholesalers
F & B
Page 78
Align with MP3EI program, BNI Focusing it’s business portfolio on 8 leading industry sectors in Bank wide
view.
To sharpen the strategy, BNI also focus on leading industryes in each operating region align with MP3EI
Economic Dedelopment .
79. Source : Masterplan for Acceleration and Expansion of Economic Development of
Indonesia, MP3EI
One industry main challenge is how to increase down stream activity and provide all the infrastructure
needed
8 programs :
• Agriculture,
• Mining,
• Energy,
• industryal,
• Marine,
• Tourism,
• Telecommunication and
• Development strategic area
Indonesia Economic Challenges - Industry
80. Page 80
Indonesia Economic Challenges: Low Innovation
Based on the Global Innovation Index Ranking, Indonesia is lower compared to other Asian
countries
Country 2013 2012 2011 2009-2010
Singapore 8 3 3 7
Malaysia 32 32 31 28
China 35 34 29 43
Thailand 57 57 48 60
India 66 64 62 56
Vietnam 76 76 51 71
Indonesia 85 100 99 72
Philippines 90 95 91 76
Global Innovation Index Ranking
Sumber : WIPO
81. Opportunities & Challenges – Regulation Aspects
Factors
Multi License Policy Require more Capital raising to expand business.
Will push industry consolidation among the players that strengthen Indonesia Banking
Industry
ASEAN Economy
Community
Increasing competition due to a free flow of Capital, People/talents, good and services
among ASEAN country.
On the other hand, will open the opportunity to tap regional market.
Foreign Bank
Presence in
Domestic Market
Easier access from foreign bank to Indonesia market has bring competition to a higher
level.
Local bank can gain benefit from local market expertise.
Foreign Bank presence is expected to bring a new transfer of knowledge to local bank
such as Cash management, IT Platform enhancement.
Aturan Loan To
Value (LTV)
New LTV regulation will slowing down the high consumer loan growth.
Loan portfolio will grow at a healthier level
Single Presence
Policy (SPP)
Single presence policy will hold the presence of foreign and new player.
Just like multi license policy, single presence policy will push players consolidation
82. Opportunities & Challenges: A relatively low banking penetration
Indonesia is still under Bank, on the other hand infrastructure availability has been a major obstable for
banks to expand its network
53%
21% 9%
2%
10%
5%
Commercial Banking Outlet DistributionCommercial Banking Saving Account Penetration
Source: BI
Note: Number of population aged 15yr old and above with access to formal financial institutions
Source: The Global Financial Inclusion Index 2012, World Bank
99% 98% 97% 97% 96% 96% 93% 88%
71% 64% 58% 56% 54% 48% 46% 35% 33% 27% 20%
Australia
Jerman
Perancis
Inggris
Jepang
Kanada
Korsel
AS
Italia
China
Turki
Brasil
Afrika
Selatan
Rusia
ArabSaudi
India
Argentina
Meksiko
Indonesia
Access To Financial Institutions Among G20 Countries
Note: Assuming people, on average, own 3 saving accounts
Source: LPS, BI
97 102 114
169 172 173
19.2% 19.7%
22.1%
0.0%
5.0%
10.0%
15.0%
20.0%
25.0%
-
50
100
150
200
250
2010 2011 Jun-12
# of Saving Account (mil) Population> 15yr (mil)
Saving Penetration Ratio
As an archipelago country, interconnectivity has always been an issue for many years. Slow progress is happening toward national interconnectivity.No wonder why, infrastructure is one of the top 3 issues in doing business in Indonesia and Indonesia Global Competitiveness index is consistently decreasing for the last 3 years from rank 44 to 50
Access to a high quality education is still a challenge.Indonesia Human Development Index is relatively low compare to other countries.
Although Indonesian middle class is growing rapidly in recent years, marginal middle class still dominates. Hence a disruption in the economy can immediately downgrade this segment to below the poverty line.Policy and action are needed to maintain this segment to the higher segement.
Although middle class accounted to 57% of the population, the saving account penetration only 22% (assuming banked people own on average 3 saving accounts, BPS). It is indicated that some of middle class has not yet have saving account.Such a low banking penetration causing Indonesia’s access to financial institutions is one of the lowest amongst G20 countries.Assumed each hAs 3 saving accounts
Indonesia’s rank not so good by many independen institution. This is the accumulation of all the strutural problem in the ecnomi.
The ability to promote sustainable economic growth depends on the ability to improve innovation. Innovation based on the capitalization of technology research products will make an immediate impact on improving sustainable productivity, which in turn can accelerate economic growth. The ability to master science and technology is a basic capital to create innovations that will be useful to develop the economy in order to face global competition.The efforts to increase productivity towards the creation of competitive advantage can be achieved with the innovation based human resource capacity development. The legacy of natural resource-based economy, which is labor intensive, needs to be gradually improved towards skilled labor intensive and eventually to human capital intensive. The improvement of human capital mastering science and technology is highly needed when Indonesia enters into the innovation-driven economies stage.
To realize the increase of productivity, it is recommended that Indonesia applies innovation initiative as a key driver in the transformation to innovation-based economic system by strengthening the education system (human capital) and technological readiness.Under the innovation initiative, one percent of the GDP will be earmarked towards this strategy. This proportion should be increased gradually to 3% of GDP by 2025.Research and development funding portion as mentioned above, comes from the Government and the businesses. The transformation will be carried out through 7 improvement steps of innovation ecosystems, while the process will be carried out using 4 acceleration economic development instruments as a model for the strengthening of key stakeholders in innovation including tertiary institutions and community colleges.In line with the economic progress of the factor-driven economy towards innovation driven economy, it is expected over time the role of Government in funding R & D will de crease and the role of private sector in funding R & D will increase.R&D fund has not been settled, MP3EI Program has to more focus on Human & Environmental aspects.
Mobile Financial Services: the next generation business model for banks in Asia Banks in Asia began to see it as a potential solution from Mobile, in terms of encouraging customer usage levels on products / services and banking also creates a new level of revenue with mobile financial services. Financial Inclusion / Banking the unbanked – Bank Sinar Harapan Bali take advantage of opportunities by adopting innovative approaches using cell phones to get people who have not opened an account at their bank. High Street Banking - increasing the level of sophistication of banking with a new service that creates a "unity" expertise across mobile networks and devices, encouraging a high experience in process convenient payment, remittances, and interactive banking wherever located. CIMB Niaga has started a mobile marketing strategy that encourages wider bank customers to process mobile payments, remittances, and others.
Innovation-Driven economy is something that can be pursued. Young generation can create changes to the economy and compete with strong global brand using creative innovation.
Innovation is not a new thing to BUMN, but SOE Minister push all the BUMN to strove harder for innovation
New Spatial planning concept design by Chinese authority is able to reduce urbanization and create a better income distribution in the country.
The Global Innovation Index examines how countries benefit from innovation through the use of enablers that stimulate innovation and their ensuing outputs. There are five enabling parameters which include: 'Institutions', ‘Human Capacity', 'General and ICT Infrastructure', 'Market Sophistication' and 'Business Sophistication'. The two output parameters – 'Scientific Outputs' and 'Creative Outputs and Well-Being' - provide evidence of the results of innovation within the economy.With low access to high quality education, Indonesia is considered to be a less Innovative country.
All the challenges a rea
Although middle class accounted to 57% of the population, the saving account penetration only 22% (assuming banked people own on average 3 saving accounts, BPS). It is indicated that some of middle class has not yet have saving account.Such a low banking penetration causing Indonesia’s access to financial institutions is one of the lowest amongst G20 countries.Assumed each ahs 3 saving accounts