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Supervisory Agency of Capital Market and Financial Institution Bapepam-LK, Ministry of Cooperative and
UKM, and Ministry of Home Afairs. 2. Planning application of MSMEs ranking in the context
of preparation toward ASEAN Economic Community AEC 2015 as multi years project efective as of
2010 started with trial test on MSMEs rankingrating method. The progress achieved at the end of year
2012 is: i obtained rating results totaling to 232 rankings using methodology of the respective rating
agency; ii organized Focus Group Discussion FGD with banking, rating agencies, and related ministries
concerning the concept of rating minimum standard of MSMEs covering methodology, mechanism
and institutional ranking of MSMEs, and also iii improvement of trial questionnaires.
J. Credit Bureau BIK 1. Function of Credit Bureau
Currently the main duties and functions of BIK is as a public credit registry which has roles in compiling and
processing data of credit from inancial institutions, and also exchanging and distributing them in the
form of credit information to support intermediation activities of inancial institutions. Apart from that,
credit datainformation managed by BIK is also used to support the implementation of BI duties as the
authority in monetary, banking, and payment system in order to maintain the stability of inancial system on
the whole. Enforcement of BIK is expected to encourage market
discipline so as to create a sound and eicient credit culture which ultimately will lead to the achievement
of inancial system stability, real sector growth and also extensive economic growth of Indonesia.
2. Operational of Credit Bureau
In conducting its function, BI organizes and manages an application system called Debtor Information
System SID. The system is used to compile and store data on funds provision facilities submitted
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by Reporting SID which currently consisting of 120 Commercial Banks, 20 Financing Companies
5
, and 1.237 Rural Banks
6
. The referred data then processed to generate outputs
of Historical Individual Debtor Information IDI Historis covering the last 24 months histories from the
entire data of funds provision received by individual debtors and business entities starting from Rp.1 up.
Therefore, this debtor generated information can give an overview on credit exposure, performance and
credit quality from the debtor in question.
3. Progress of Credit Bureau in 2012
Throughout 2012, BI has done various activities, namely:
a. Increase of data quality through monitoring action of report submission, data cleaning crash program,
on-site and off-site supervision, as well as training and evaluation.
b. Expansion of coverage especially from Rural Banks and Financing Companies.
c. Provision of services directly to the communities through BI Info Outlets or BIK counters in some
expo events, and also provision of request facility of Individual Debtor Information IDI, on-line through
BIK website taking output still have to be done by BI.
d. Implementation of education to the communities to increase awareness of the importance of maintaining
credit quality through socialization activities in several regions and expo events, distribution of posters
to financial institutions, and creating as well as broadcasting public service ads in the radio.
4. Development of Credit Bureau
In accordance with the Act concerning Bank Indonesia, BI has the right to govern and develop
the organization of inter-bank information system that can be expanded by including other institutions
in inancial sector. In its development, the needs of
5
per position of January 2013.
6
per position of November 2012.
