Interesting Investor For micro banking or Microfinance bank

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 micro banking 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 banking 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 Profit After Tax). Do you interesting to invest ....

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 ....

Micro banking, who and how

Micro Banking is a business segment of the banking sector to serve more small business market, micro and medium (MSMEs), the opportunity is still very big on this segment to make foreign and local investors are interested to be able to enter and compete in order to benefit most from the sector.

Micro Banking in Indonesia is dominated by one of the government, namely the Bank of Bank Rakyat Indonesia (BRI) of the market sector MSMEs ± 30%, ± 5% followed by some of the BPR, Koperasi and Baitul Malwat Tanwil (BMT). So long ± 65% market share MSMEs sector does not doing with maximum by private or government.

Some of the Bank of the Government and the private sector has been trying to enter the market, but the trip when the constraints, they fail as Bank Mandiri, BNI and Bank Danamon. Then in 2004 one of the private banks namely Bank Danamon try again to enter this market. Danamon launched Micro Banking Segment with the name Danamon Simpan Pinjam, or better known as the DSP in the community, led by Djemi Suhenda.

Year 2008, the pop - new players in micro banking sector, among others Bank Mega with Mega Mitra Syariah (M2S), Bank Panin, Bank BTPN and several other banks. Including Bank Mandiri, also start again on Micro banking sector. Not only that, many players who will participate in the world such as Micro Banking like CIMB Niaga and more ...we wait ....