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Business Capacity Development Program

The Business Capacity Development Program (BCDP) is aimed at providing guidance and mentoring to micro, small, and medium-sized enterprises (UMKM) in Indonesia to ensure the provision of optimal services to our customers.

Since 2010, the company has been providing training and mentoring to ULaMM customers. In response to the growing demand for training, the Business Capacity Development Division (BCDD) was established in 2011.

PROGRAM FOR BUSINESS CAPACITY DEVELOPMENT (PKU)

  • Webinar Series

    • The series of programs from the PKU Division over the years has increasingly aimed to influence both customers and partners. As the company grows and expands its services to build community awareness and resilient communities, the innovation in the form of this Webinar Series can serve as a massive platform for digital empowerment. We contribute to building a self-reliant community economically through appropriate training and guidance.

  • The "Microcustomer Festival"

    • The PKU Division organized a Microcustomer Festival, which was an exhibition of microbusinesses supported by PNM. The purpose of this event is to encourage PNM customers to understand the importance of having a Business Identification Number (NIB) to ensure the legality of their businesses. This is crucial because having legal status for their businesses can enhance their access to financial facilities from banks, opportunities for training, and the chance to participate in government procurement of goods or services. This demonstrates the PKU Division's real commitment to empowering and supporting customers, enabling them to continuously compete and advance with the changing times, with the hope of being competitive on a global scale.

  • Clustering for More Targeted and Effective Empowerment

    • PNM customers have diverse backgrounds and various types of businesses, both for PNM ULaMM and PNM Mekaar customers. To provide effective and targeted services, the Clustering Program is regularly implemented. Customer guidance with this pattern makes it easier for the PKU Division to adjust to specific customer needs. Currently, there are 119 clusters formed from 7 classified business sectors. The uniqueness within each industry presents a challenge for the PKU Division to provide the right financial, production, and marketing guidance.

  • The "Mba Maya" Program

    • The "Merdeka dan Berdaya (Mba Maya)" program is an initiative by PNM to conduct mapping and provide training according to the needs of customers in each branch. Through the Mba Maya program, customers will be offered training in three themes: financial literacy, business literacy, and digital literacy. This includes discussions on selling on social media, the benefits of WhatsApp group communities for boosting profits, education on the importance of NIB (Nomor Induk Berusaha - Business Registration Number), the use of PNM Digi Nasabah, and knowledge about marketplaces.

THE TYPES OF BUSINESS ACTIVITIES WITHIN THE SCOPE OF PKU-PK INCLUDE:

  • Training for PNM ULaMM Customers
    • It is a training program specifically designed for PNM ULaMM customers. This training program is conducted in all PNM branches across Indonesia.
  • Cluster Development
    • It is a customer development program carried out through clustering/grouping. Clusters are determined based on the type of business and the location of the customers. This program includes training and mentoring in various aspects, including finance, production, marketing, and institutional development. Cluster development is intended for both PNM ULaMM and PNM Mekaar customers.
  • Mentoring for PNM Mekaar Customers
    • It is a mentoring program specifically designed for PNM Mekaar customers. This mentoring program is conducted in all PNM Mekaar branches across Indonesia.

PKU DIVISION'S TRAINING

In 2022, there were three Empowerment Themes, namely Financial Literacy, Business Literacy, and Digital Literacy, integrated with two programs, PNM Empowering Prosperous Family Economy (Mekaar) and Micro Capital Service Unit (ULaMM), as follows:

  1. Financial Literacy

    • This empowerment focus is in line with the Indonesian Government's program to enhance financial and digital literacy among the public. Financial literacy is one of the pillars of financial inclusion. Improving basic financial knowledge is essential to assist customers in making financial decisions that consider resilience, risk assessment, and future development orientation. The PKU program also contributes to empowering the financial capabilities of female PNM customers, who play a crucial role in family finances.

  2. Business Literacy

    • The PKU division prioritizes increasing the number of customers holding a Business Identification Number (NIB) to enhance their business opportunities. With an NIB, the legitimacy of a customer's business will have legal validation, which is beneficial for administrative processes, business negotiation with future partners, and facilitates import-export processes. Therefore, NIB plays a central role in enhancing the business capacity of customers, with the hope that they can compete both nationally and internationally.

  3. Digital Literacy

    • With the increasing globalization and technological advancements, digital literacy can help customers utilize social media for business purposes, thereby increasing their market value. Equipped with business literacy, it is expected that SME entrepreneurs can take confident steps to upgrade their businesses. The PKU division also leverages the increasing digital interactions since the Covid-19 pandemic as a means of communication and marketing for PNM customer products. Technological developments can also serve as a gateway for Indonesian SMEs to participate in international trade.

PKU DIVISION'S MENTORING

The PKU Division also provides assistance to PNM customers through the Clusterization Program, which is a training program with a continuous (sequential) method and group approach for customers and potential customers based on specific approaches, such as similar types of businesses in one area or different types of businesses in one area. The minimum requirement for the number of customers is 25. The number of Clusterization Training Programs is implemented according to the RKAP policy set by the Division overseeing the PKU function for the current year, while the budget for the implementation of each training is determined by the PKU Committee.

PKU DIVISION'S EMPOWERMENT

With a focus on the four key initiatives, the PKU Division has conducted a comprehensive performance evaluation. This transformation has been a significant challenge in adapting the institution to the changing times and customer needs. It's evident that through the initiatives we have launched this year, significant growth has been achieved.

The introduction of new programs such as "Merdeka dan Berdaya" (Mba Maya) and the "Community Leaders" program has positively impacted an increasing number of PNM customers. Additionally, there has been rapid growth in the registration of Business Identification Numbers (NIB) this year. In this regard, we have successfully enhanced business literacy, especially for female customers, an achievement that has been recognized by the Indonesian Museum of Records (MURI). It's a source of pride to see both of these programs receive positive feedback from our customers. These two programs have become the legacy and flagship programs of the PKU Division.

Being willing to evaluate and challenge the comfort zone is a legacy that must always be passed down and preserved.

  • PKU Division for Indonesian Women

    • Commitment to Gender Equality and Financial Inclusion

      • Women as a priority target for financial literacy are the foundation of Indonesia's economy. The PKU Division's focus on reaching more women in empowerment programs is a testament to our commitment to the financial well-being and security of women. Ownership of bank accounts is also a priority for the PKU Division, as we understand that women represent a large portion of unbanked individuals. With women's financial records, we hope to promote financial independence for women in the future. In the process, the PKU Division has received recognition from the Indonesian Museum of Records (MURI) in three categories: "Most Simultaneous Financial Literacy Training by Women," "Most Women in a Sustainable Development Webinar," and "Most Simultaneous Bank Account Openings by Women." This recognition serves as motivation for us to continuously evaluate our programs to ensure they are tailored to our customers, especially underprivileged women.

REALIZATION OF PKU DIVISION'S TRAINING PROGRAM

Accumulation of Business Capacity Development (PKU) activities as of December 31, 2022, a total of 14,896 training sessions have been conducted for ULaMM and PNM Mekaar customers, with 692,275 participants. At the same time, cost efficiency measures have resulted in savings of IDR 44,760,981,293.

  • PKU Division's Sweet Achievements

    • Year after year, PT Permodalan Nasional Madani remains committed to providing solutions through business transformation and empowerment for its customers. More than just providing financial support, the aim is to ensure that every customer has the opportunity to improve their businesses. The PKU program has been instrumental in influencing customers over time, with a focus on financial literacy, business literacy, ecosystem development, and business mentoring.
    • With rejuvenation and a paradigm shift in empowerment, the performance of the PKU Division has significantly improved.

  • Achievements in Training Targets and Participants in 2022

    • The PKU Division has experienced substantial growth in terms of the number of training sessions and participants. The number of training sessions increased from 52% in January to 144% in December. Likewise, the number of participants increased from 61% in January to a peak of 173% in December. More training directly led to an exponential increase in the number of participants.

  • Mekaar Training Developments

    • The ownership of Simpedes UMi BRI accounts reached 171,755 customers by the end of December 2022, which is 191% of the target. This growth indicates increased financial access for PNM Mekaar customers, the majority of whom are underprivileged women.
    • A total of 340,595 Business Identification Numbers (NIB) were successfully registered under the TUNM program, which is 1,362% of the target.
    • Social media has become a powerful marketing tool for businesses at various levels. The PKU Division has assisted 35,633 women in having this modern promotional tool, including helping them market their products to support the capacity building of PNM customers.

  • ULaMM Training Developments

    • ULaMM training results have also exceeded their targets. More than 9,000 e-commerce accounts were created in 2022. Ownership of packaging also exceeded its target, achieving 151% of the target. Financial recording training has also yielded positive results, with 6,874 customers now using a simple financial application.