Sebagaimana dilaporkan dalam MSME Empowerment Report 2022, UMKM di Indonesia masih menghadapi berbagai macam tantangan dalam mengembangkan usahanya. Hal ini meliputi pemasaran usaha, akses ke material produksi, adopsi teknologi, proses transaksi, serta pengelolaan cash flow.
Pada puncaknya, tantangan penguatan kinerja UMKM masih berkutat di rendahnya inklusi keuangan pada segmen tersebut, atau dengan kata lain banyak pelaku UMKM yang masih belum memiliki akses ke layanan perbankan yang memadai.
Menurut data dari Otoritas Jasa Keuangan (OJK), hingga tahun 2022 lalu, hanya sekitar 36% UMKM yang telah memiliki akses ke layanan formal perbankan.
Selain itu, tantangan penguatan kinerja UMKM masih berkutat di rendahnya inklusi keuangan pada segmen tersebut seperti bagaimana banyaknya pelaku UMKM yang masih belum memiliki akses ke layanan perbankan yang memadai.
Menurut data dari Otoritas Jasa Keuangan (OJK), hingga tahun 2022 lalu, hanya sekitar 36% UMKM yang telah memiliki akses ke layanan formal perbankan.
“Upaya hibank untuk meningkatkan alokasi pendanaan dan menghadirkan layanan perbankan digital yang relevan dengan kebutuhan UMKM menjadi salah satu langkah penting dalam memperbaiki inklusi keuangan, terutama bagi UMKM yang masih belum terlayani oleh perbankan namun memiliki potensi untuk berkembang. Kami juga berkomitmen menjadi mitra dalam menghubungkan dengan penyedia-penyedia solusi dan layanan yang dibutuhkan UMKM melalui pembentukan dan pemberdayaan ekosistem, sehingga dapat membantu menjawab tantangan dalam pengembangan usaha UMKM. Hal inilah yang mendorong kami untuk memperkenalkan peran hibank sebagai orkestrator ekosistem UMKM Indonesia.”
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