PT Bank Syariah Indonesia Tbk (BSI) recorded a 9.01% year-on-year growth in MSME financing, reaching IDR 52.01 trillion as of June 2025. This marks a key indicator of BSI’s focus on strengthening the people-centered economy through micro and SME segments.

The financing growth aligns with BSI’s strategy to accelerate the halal and Islamic economic ecosystems by enhancing business capacity through tailored support.

Supporting MSME Growth Through Mentoring and Sharia Literacy

BSI is committed to empowering MSMEs through mentorship and financing aligned with each business segment. From non-bankable micro clients to well-established enterprises, BSI provides sharia financial education to help them progress and access broader markets.

The objective is to help people-based economic actors "move up a class," opening up new funding opportunities and expanding market reach.

Digital Portals and Business Matching Support MSME Ecosystem

BSI strengthens MSME capabilities through initiatives like the BSI UMKM Center and Business Matching programs that connect MSMEs with potential buyers. Other support includes halal certification, access to sharia financing, and incubation programs such as BSI Talenta Wirausaha and BSI Aceh Muslimpreneur.

Platforms like the Portal UMKM BSI help MSMEs improve local product quality to compete globally. The Salam Digital Portal facilitates microfinancing applications digitally.

BSI Financing Reaches Key Sectors with Solid Annual Growth

BSI's macroprudential inclusive financing reached IDR 98.5 trillion as of June 2025. MSME customers now total more than 347,000, reflecting a 6.28% annual increase in customer growth.

Financing is concentrated in sectors such as wholesale and retail trade, agriculture and forestry, healthcare services, and halal food and beverage. BSI has disbursed IDR 13.7 billion to two micro and SME clients in the halal food and beverage sector.

BSI Highlights MSMEs as Economic Backbone

"UMKM ini menjadi salah satu tulang punggung ekonomi. Untuk itu BSI akan ambil peran tidak hanya menyalurkan pembiayaan, namun lebih ke mendorong kapasitas dan kapabilitas usaha UMKM agar naik kelas sehingga mampu bersaing hingga kancah global,” said Kemas Erwan Husainy, Director of Retail Banking at BSI.

BSI’s participation in international events aims to open export market access for MSMEs. This segment remains one of the bank’s key priorities for future retail business growth, alongside digital transformation to increase MSME transaction volume.

PHOTO: BSI

This article was created with AI assistance.