BNI Expands Export Support for Gorontalo UMKM through Xpora Program

Enhancing Export Capabilities

PT Bank Negara Indonesia (Persero) Tbk. (BBNI) has launched an expansion of its Xpora program to support UMKM in Gorontalo, focusing on enhancing their export capabilities. The initiative includes comprehensive training on export regulations, international standards, and global marketing strategies, addressing key challenges faced by local UMKM in penetrating international markets.

Key Components of the Xpora Program

1. Export Training: The program provides detailed training on export procedures, international compliance, and market intelligence.
2. Market Penetration Strategies: UMKM receive guidance on developing effective market entry strategies tailored to their products.
3. Regulatory Compliance: Training covers essential export regulations and standards required for global trade.
4. Ecosystem Support: Collaboration with the Gorontalo Export Community (KEG) to leverage their experience and expertise.

BNI's Credit Performance

BNI's credit disbursement reached Rp812.2 trillion by the end of September 2025, representing a 10.5% YoY growth. The growth was balanced across various segments:

• Corporate credit increased by 12.4% YoY to Rp450.7 trillion.
• SME credit grew by 14.3% YoY.
• UMKM non-KUR credit rose by 13.9% YoY to Rp46.3 trillion.
• Consumer credit segment recorded 9.6% YoY growth to Rp150.2 trillion.

Strategic Implications

The expansion of the Xpora program and BNI's robust credit growth reflect the bank's commitment to supporting UMKM and driving economic development in regional areas like Gorontalo. By enhancing UMKM's export capabilities and providing balanced credit growth across segments, BNI is strengthening its position in the Indonesian banking sector.