The Ultra-Micro (UMi) Holding of PT Bank Rakyat Indonesia (Persero) Tbk. (IDX: 
BBRI) with PT Pegadaian and PT Permodalan Nasional Madani (PNM) have proven 
successful in improving people's welfare and accelerating financial inclusion.

More than 23.5 million customers with IDR 183.9 trillion outstanding financing 
have been integrated by the UMi Holding entities. This achievement is in line 
with one of the priority agendas of Financial Inclusion in the G20 Presidency 
in Indonesia.

In August 2022, the integration of services of the UMi Holding entities or 
co-location of Gerai Senyum reached 1,003 outlets with the initial target of 
978. The number of new savers reached 6.85 million, while the initial target 
was 3.3 million. PNM Mekaar customers joining BRILink reached 40,121.

BRI President Director Sunarso said that there have been positive results as 
BRI, Pegadaian, and PNM are reaching all business segments efficiently. "The 
key is to synergize. BRI, Pegadaian, and PNM have been focused on dealing with 
MSMEs, targeting 55 million ultra-micro customers in Indonesia."

In addition, with the assistance targeted to help individuals who are not yet 
bankable, customers are given the choice of accessing pawn-based capital 
through Pegadaian or taking loans from BRI through the Kupedes product. 

The development is inseparable from the resources of the UMi Holding entities. 
BRI Group has a network covering 6,500 micro-outlets, 3,600 PNM outlets, 4,000 
Pegadaian outlets, and more than 530,000 BRILink agents. Furthermore, BRI Group 
has more than 63,000 financial advisors strengthening the micro payment 
ecosystem.  

Minister of State-Owned Enterprises Erick Thohir explained how the UMi Holding 
has empowered people's economy. "First, state-owned enterprises ensure MSMEs 
get appropriate financing and assistance. Second, maintaining the supply chain 
like how we consolidate BRI, PNM, and Pegadaian, ensures MSMEs level up from 
the ultra-micro class; through PNM's loan of IDR 1 million to IDR 4 million, 
going up to Pegadaian's loan of IDR 20 million to IDR 50 million."

The UMi Holding has proved that the state's presence is necessary to lift the 
people's economy and how large companies and corporations must synergize with 
all business actors.

For more information about Bank BRI, visit www.bri.co.id.

Source: PT Bank Rakyat Indonesia Tbk (BRI)

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   Caption: The Ultra-Micro (UMi) Holding of PT Bank Rakyat Indonesia (Persero) 
Tbk. with PT Pegadaian and PT Permodalan Nasional Madani (PNM)