Why Micro Banking UMKM so interesting for Investor

Indonesia is a developing country, but the biggest supporters of this nation's economy is on the small business sector, micro and medium (MSMEs) but it seems the government does not see and less concerned with the sector. campaign so much effort in this sector and improve the program - poverty reduction program based MSMEs, but the campaign is just a campaign, which was then fade and disappear after the economic climate began to change.

Communities themselves as less concerned with the government programs and thus seemed to take advantage of the opportunity that is too narrow, in the members and program participants only to get a capital injection and then fled without paying with a variety of reasons. This is because of the government it self is not and has not been able to control this sector.

In 1998 when the dash Indonesian monetary crisis, the banking sector was down so many banks have liquidation and put into the Badan Penyehatan Perbankan Nasional (BPPN). Another case with Banks and financial institutions in the small business sector, micro and medium (MSMEs) and the Bank also focused on such as BRI Micro Banking, BPR and Koperasi. Even if the financial crisis they jump and stand still does not feel as if they even still wash benefits.

In 2004 when the Bank Danamon enter this segment through the micro banking Danamon Simpan Pinjam (DSP) of the many business and banking pessimistic on the ability of DSP to be able survive more than 3 years. However, after 3 years running, input and assumptions have been changed 180 º by Djemi Suhenda, not only able to survive but the DSP has been developing rapidly over 15% market share and Micro Banking UMKM main competitor was the most frightening BRI throughout history.
How does not, the DSP is in the loan ceiling to the customer so many BRI customers moving into the DSP customers, in addition to the BRI never predict the strength of DSP will be developed so rapidly become competitors in the micro sector.

The most interesting for investors, of course, profit and profit ... Look how much profit in the illicit BRI's microfinance sector and also the segment of the Danamon for Segment DSP. The profit before tax (Net Performance Before Tax) is arouse investor. This is due in 1 year a branch micro banking can provide benefits before tax up to 1 billion. If we can imagine the amount of more than 500 branches then we can also count the all benefits.

In fact, many branches of benefit or profit is 1 billion after the consolidation process and also charged after tax (NPAT = Net Performance After Tax). Do you interesting to invest ....