New style Bank
In terms of assets, the national banking industry is actually very dominant on the Indonesian economy. Understandably, the banking industry controlled almost 80 percent of financial assets in Indonesia. But, unfortunately, in terms of roles in development, banking is still far from expectations.
Evidence, co-financing from banks to boost economic growth lately of not more than 10 percent.
In the year 2009, for example, from Rp 1700 trillion fund that is used encouraging economic growth of 4.3 percent, banking contribute only Rp 130 trillion, or 7.6 percent.
The low bank role in stimulating the economy, one of them, influenced by the paradigm adopted by most bankers. Many bankers think that the role of banks is to follow the growth or follow the trade. That is, the new bank will move to the industry or a region that has grown. This paradigm may be appropriate in a country that has advanced to the position of banks that do not dominate the financial system.
However, in Indonesia, the bank should have the opposite paradigm. The reason is very much an untapped economic potential in Indonesia. Many areas in the eastern Indonesian region rich in undeveloped natural resources optimally. In fact, agriculture and fisheries sector, the potential is huge, untapped well it should.
Ideally indeed the central government and the regions that have a lot to play a pioneering development. However, when the government does not have sufficient funds such as this, the private sector should be able to take a greater role.
Now, with huge resources, vast network, and the dominance of financial markets, the most demanded perbankanlah sector to become a pioneer in encouraging growth in Indonesia.
During this national banks have not become a locomotive which drew the character of productive economic growth. In other words, the bank has not applied leading the development paradigm.
Due to the low power and area analysis of new markets, national banking tend to just go with the flow or follow the growth of trade. Evidently, most of the credit disbursed only on the consumption sector or other sectors that have grown or have high credit demand. This means that banks are just waiting and reluctant to take risks, which could have mitigated through appropriate analytical skills.
Significant
BI Deputy Governor Muliaman Hadad once said, the old paradigm that follow the trade of banking must be changed. Banks must take a significant role in stimulating growth. Banks need to be creative to create a new financing models for sectors that have not been touched. Although it would be difficult at first, this strategy will be profitable in the long term the bank concerned.
Try this paradigm shift by Bank Mandiri in this year with the initiative to encourage development of areas in eastern Indonesia.
After last year held a Papua Investment Day, this time Maluku Investment Bank menghelat Day. This step is a stimulus to move the real sector and investment in the Maluku region, where Self will act as a reseller of credit for investors or entrepreneurs who want to invest in the region.
“Now is no time more bank waits for a business, then go into one area. Banks now have to be a locomotive that creates opportunities, “said Bank Mandiri President Director Agus Martowardojo.
In Maluku Investment Day (MID), Bank Mandiri bring together large corporations with stakeholders in Maluku and North Maluku to explore an investment there. The objective is to optimize the economic potential in Maluku and North Maluku, to enhance sustainable economic growth in the region.
Chief Economist, Bank Mandiri said Mirza Adityaswara, a total of 143 large corporations in Indonesia, both private and state, such as the Harita Group, Wijaya Karya and Adhi Karya, attended the Investment Maluku Day to exchange ideas with all stakeholders so that they can unravel the problem of development of investment in Maluku and North Maluku.
The event will also be filled with business meetings between prospective investors and local governments, facilitated by Bank Mandiri.
Maluku Governor Karel Albert Ralahalu, North Maluku Governor Thaib Armaiyn, and the regents in the two provinces involved in this event.
Agus Martowardojo said the realization of low investment in the midst of high economic potential in Maluku and North Maluku is due to the lack of infrastructure, where the condition of roads, settlements, irrigation, electricity, and transportation is not adequate to support business activities.
“There needs to government and private partnerships to facilitate economic activity is potency of Maluku and North Maluku can be used optimally to national interests. Bank Mandiri is committed to helping facilitate the financing of sustainable development in the area, “said Agus Martowardojo.
The economic potential of North Maluku, Maluku, or very large. In the fisheries sector, in the waters of North Maluku, for example, from 1.03 million tonnes of fish potential, a new 134,354 tonnes which could be arrested or less than 13 percent. Likewise with the Moluccas, where 40 percent of new capacity that can be exploited fisheries sector.
Agus hope, through the Moluccas Investment Day, will create the foundation for economic development in eastern Indonesia, which until now had not been excavated optimal.
According to Maluku Governor Karel Albert Ralahalu, Maluku does have abundant natural resources, but largely untapped and not fully utilized. To optimize this potential, the Government of Maluku province will support the acceleration of economic growth in the agricultural sector development, infrastructure, and energy.
In 2009, Maluku economic growth with inflation recorded 5.34 percent 6.48 percent. Funds raised by banks in 2009 recorded Rp 5.2 trillion and loans of Rp 3.15 trillion. “Realized domestic investment in Maluku 3.02 trillion to Rp 23 projects in 2009, while carrying 19 foreign investment projects worth 353.76 million U.S. dollars,” said Karel Albert Ralahalu.
North Maluku Governor Thaib Armaiyn argued, the optimal synergy between local government, central government, relevant ministries, communities, investors, and banks are expected to provide major changes to the development and economic growth in Maluku and North Maluku. “Activities of Maluku and North Maluku Investment is a very positive day for us because investors may be more familiar with the potentials that we have to be developed,” said Thaib Armaiyn.(source kompas)