Bank Raya Empowers Street Vendors through Digital Financial Solutions

Community Development Initiative

Bank Raya, a digital bank within the BRI Group, has implemented a comprehensive Corporate Social Responsibility (CSR) program in Semarang's Sidodadi area. The initiative focuses on empowering street vendors through financial literacy training and the adoption of digital financial tools. This program is part of Bank Raya's 'Cluster Unggulan' series, which has now reached its eighth location.

Digital Financial Tools for Business Empowerment

The CSR program includes the introduction of Bank Raya's digital banking solutions designed specifically for micro, small, and medium enterprises (MSMEs). Key features include:

1. Saku Bisnis (Business Pocket): A dedicated feature within the Raya application that allows business owners to manage their finances more effectively. It offers mass transfer capabilities, separate business fund management, and real-time transaction monitoring.
2. QRIS Bisnis (Business QRIS): An integrated QR code payment system that enables merchants to receive payments seamlessly. As of September 2025, over 11,000 merchants across 23 cities in Indonesia have adopted this feature.
3. Fitur Kasir (Cashier Feature): A tool that facilitates business transaction management, allowing owners or authorized employees to monitor business operations effectively.

Impact and Future Plans

The program has already shown positive results, with Saku Bisnis experiencing significant adoption among MSMEs. Bank Raya plans to continue innovating and expanding its CSR initiatives to support local businesses and communities further. By promoting digital financial literacy and providing accessible banking solutions, Bank Raya aims to contribute to the economic empowerment of Indonesia's MSME sector.