Jakarta, (22/7). Micro financing is now the focus of Islamic Banks financing. Usually it is under direct financing to Small, medium, and micro enterprises. Yet, Bank Muamalat Indonesia channeled its SME’s and micro financing indirectly.
"Our Strategy is indeed indirect,” explained Bank Muamalat Indonesia’s compliance and risk management Director Andi Buchari during the press conference of Bank Muamalat financial performance, yesterday, Thursday (21/7). (source)
When he was asked why not direct financing? He said that BMI would not be the competititors of micro financing institutions. “There are many BMT, BPRS that need to survive in this micro financing business, therefore we are channeling our financing thru them” said Andi.
The Micro financing segment of BMI financing based on transactional and branch office category which it has channeled 3 percent of the whole financing portfolio that has been disbursed for IDR 19.80 trillion.
Bank Muamalat has its own Baitul Maal with linkage financing program and microfinancing with based on mosque activities. “We have a micro financing program that has been educated by selected mosque communities,” exclaimed Andi.[nibra]
Source : http://www.pkesinteraktif.com/english/bank/2748-indirect-financing-bmi-to-smes.html - July 22, 2011
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