Why MSME Assistance is Important?
As a small and medium business actor (MSMEs), You definitely know that the journey to building a business is not an easy thing. Starting from limited capital, marketing that is not yet optimal, to the challenges of digitalization. This is where the role of MSME assistance becomes very important. This assistance can come from the government, financial institutions, as well as private parties.
Types of Assistance for MSMEs
1. Direct Cash Assistance (BLT) MSMEs
BLT UMKM or Micro Business Productive Assistance (BPUM) is a government program that provides grant funds directly to micro-entrepreneurs. These funds can be used for operational needs, modal, or other business needs.
2. Credit and Financing Assistance
There are various special credit schemes for MSMEs, like KUR (People's Business Credit) with low interest. The government is working with channeling banks to facilitate access to financing.
3. Business Training and Assistance
Apart from financial assistance, MSME players can also get digital marketing training, financial management, to free halal certification from the government or related institutions.
How to Get MSME Assistance
1. Check the General Terms and Conditions
Usually, MSME assistance is intended for businesses that:
- Is an Indonesian citizen and has an active business
- Not currently receiving a loan from a bank
- Have NIB (Business Registration Number) or business certificate
2. Register via the relevant department
You can register through the Department of Cooperatives and MSMEs in your area. Prepare files such as KTP, NIB/SKU, photo of business premises, and registration form.
3. Monitor Official Information
Always check official websites such as:
- oss.go.id
- umkm.kemenkopukm.go.id
- Regional Cooperative Service or official social media accounts
4. Participate in Training and Incubation Programs
Sometimes, to get help, You have to take training first. Programs like this also open up business networking and mentorship opportunities.
Tips to Make Help Easier to Get
- Complete the documents correctly. A small mistake can make you fail to pass the selection.
- Active in the MSME community. Often, help information circulates more quickly in the community.
- Use aid funds wisely. Record all expenses so that your efforts are more focused.
Conclusion
Getting MSME assistance is not impossible, as long as you know how and consistently build your business. From cash assistance to training, All of this can be a stepping stone for your business to grow bigger. Feel free to find out, ask, and register. Remember, opportunity does not come twice!
Read Also : Difference between Mutual Funds and Regular Savings: Smart Choices to Manage Your Money!
FAQ (General Questions)
1. Is MSME assistance still available this year??
Of, The government and other institutions are still offering various types of assistance, even with a limited quota.
2. Can online business actors get help from MSMEs??
Very possible! As long as you have NIB or SKU, online businesses still qualify.
3. What is the nominal amount of MSME assistance from the government??
The amount of assistance varies, but generally it ranges from IDR 1 million to IDR 2.4 million per recipient.
4. Should MSME assistance be returned??
If it is in the form of a grant like BPUM, no need to return. But if it's a KUR loan, of course it has to be paid off.
5. Is there an age limit for recipients of assistance??
There is no age limit, as long as you meet the criteria and are actively running a business.
