Executive Summary

Key insights and market outlook

PT Bank Rakyat Indonesia (BRI) continues to strengthen its commitment to empowering Micro, Small, and Medium Enterprises (UMKM) through various programs. As of September 2025, BRI has fostered 4,909 BRILiaN villages and developed 41,715 business clusters through its KlasterkuHidupku program ⁴

. The bank has also established 54 Rumah BUMN and conducted 17,000 training sessions to enhance UMKM capabilities ³⁴. Additionally, BRI's LinkUMKM platform has been utilized by over 13.6 million UMKM to expand their market reach ⁴.

Full Analysis

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Deep Dive Analysis

BRI Strengthens UMKM Empowerment Programs

Comprehensive Support for UMKM Development

PT Bank Rakyat Indonesia (BRI) continues to demonstrate its commitment to empowering Micro, Small, and Medium Enterprises (UMKM) through various comprehensive programs. As of September 2025, BRI has successfully fostered 4,909 BRILiaN villages across Indonesia, creating a robust ecosystem for UMKM growth ⁴

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Key Initiatives in UMKM Empowerment

KlasterkuHidupku Program: BRI has developed 41,715 business clusters, focusing on community-based productive sector strengthening
Rumah BUMN: The bank has established 54 Rumah BUMN across Indonesia, providing comprehensive training and support to UMKM
Training and Capacity Building: BRI has conducted 17,000 training sessions, enhancing UMKM capabilities in various aspects of business management
LinkUMKM Platform: This digital initiative has been utilized by over 13.6 million UMKM, enabling them to expand their market reach and improve business operations ⁴
Source 4
https://finance.detik.com/berita-ekonomi-bisnis/d-8216879/bri-dorong-transformasi-teknologi-umkm-naik-kelas-lewat-prabu-expo-2025

Financial Performance and UMKM Support

BRI's commitment to UMKM empowerment is also reflected in its financial performance. As of Q3 2025, the bank recorded Rp1,474.8 trillion in Third-Party Funds (DPK), growing 8.2% YoY, and Rp1,438.1 trillion in credit disbursement, representing a 6.3% YoY growth ⁴

. The bank's net profit reached Rp41.2 trillion, demonstrating the positive impact of its UMKM-focused strategies on overall business performance.

Success Stories: Pundi Craft

Pundi Craft, a Jakarta-based craft business, is one example of UMKM success through BRI's empowerment programs. After joining BRI's Rumah BUMN program in 2019, Pundi Craft received training and support that helped enhance their product quality and business management. The business now successfully markets its products through various e-commerce platforms and physical stores ³

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Future Prospects

BRI's comprehensive approach to UMKM empowerment positions the bank as a key player in Indonesia's economic development. By continuing to expand its support programs and digital initiatives, BRI is likely to further strengthen the UMKM sector, contributing to more inclusive and sustainable economic growth.

References