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Industrial Sector

Of the eight dominant sectors, the agribusiness sector is the dominant sector although the growth rate has decreased. However, there is a food-beverage and tobacco industry which accounts for 50% of total GDP.

In addition, the wholesale and retail trade sectors are valued as rapidly emerging markets. Increasingly sophisticated banking services are felt to be urgently needed such as: trade finance, remittance, treasury and cash management.

Agribusiness also has a stable percentage of Non-Performing Loans (NPLs) and market demand that is relatively clear and certain unless conditions fail to harvest.

The communication sector, whose customers are fixed, has relatively stable levels of demand and income. The main players in the mining sector are usually large companies that are financially sturdy and in the electricity sector owned by the government always get more treatment from the government.

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Working capital credit

BNI always accompanies the growth and development of your business, one of them by providing a variety of working capital loan products that can help your business be ready to become big.

Advantages of BNI Working Capital Loans:

  • Can be used for various needs including KMK for Industry, KMK for Trade, Industry, Transportation Services, Hospitality Services, Construction and others.
  • Competitive interest rates.
  • Ease of credit disbursement and other transactions supported by the BNI network spread throughout Indonesia.

Requirements:

  • Completeness of a valid business permit / legality in accordance with their line of business.
  • The business has been running for at least 2 (two) years.
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Investment Credit

BNI understands your needs related to investment for your business development. The solution that BNI provides is Investment Credit, which is a medium or long-term credit to meet your business investment needs.

The advantages of BNI Investment Loans are:

  • Can be used for the length of the purchase of capital goods and services needed for the establishment of new projects, expansion of existing projects, modernization, rehabilitation, relocation of projects or refinancing of objects that have been financed in advance.
  • The credit period can be adjusted to the ability of the customer’s business.
  • Competitive interest rates.
  • Ease of credit disbursement and other transactions supported by the BNI network spread throughout Indonesia.

Requirements:

  • Completeness of a valid business permit / legality in accordance with their line of business.
  • The business has been running for at least 2 (two) years.
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Consists of the cocoa, fruit, coconut, coffee, sugar, tobacco and food and beverage (alcoholic and non-alcoholic) industries in packaging.

There are 2 players in this sector; local players who offer goods for price-sensitive consumers, especially the lower classes and MNCs that target middle-upper class consumers.

The bottled beverage industry holds a share of 40% of all non-alcoholic beverages in addition to an increase in consumer purchases of various types of food and beverages which contribute to the fast growth of retailers.

Clove cigarettes which are a mixture of tobacco, cloves and others represent 90% of the tobacco market in Indonesia and are protected from foreign competition.

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Consists of oil, gas, geothermal exploration. This industry is an upstream industry that provides raw materials for medium industries such as refineries.

The increase in domestic oil consumption (1.5%) that occurred due to development in the economic sector. The government has issued policies to support investment such as the elimination of taxes on imports of capital goods for oil and gas exploration which has implications for accelerating the discovery of new oil mines and exploration of alternative energy such as coal (10.13% growth rate per year), hydroelectric, geothermal and nuclear power.

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The chemical industry is included in the composition of 8 large individual debtors with a total value of 1,738 trillion rupiahs and 2 large group debtors with a total value of 5,453 trillion rupiahs. Therefore, BNI applies a loan growth strategy in 8 leading sectors with the chemical industry as one of them.

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Consists of infrastructure and property construction. Push Factor:

Public Infrastructure:
Increase road and toll road construction to reduce traffic congestion and facilitate access to remote areas.

Housing: The
government focuses on housing development especially in rural areas (50% of Indonesia’s population is in rural areas) which means that it will advance opportunities for middle-class construction companies and large-scale housing developers to participate in expansion.

Non-Housing:
A wave of urbanization will increase non-residential development (malls, offices, etc.).

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The electricity industry produces electricity, the sales tariffs intended for households, commercial, manufacturing, street lighting, social and government.

The government established several provisions to support the privatization of electricity which meant ending the PLN monopoly and increasing competition in the electricity sector.

Current conditions, where the growth rate of electricity consumption exceeds the growth of electricity generation, there are still many populations that have not enjoyed electricity. The government will continue to subsidize people with weak purchasing power and to accelerate economic development.

Possible long-term financing due to government plans to establish 83 power plants.

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The retail segment concentrates in Jakarta, but has aggressively expanded to Bandung, Surabaya, Medan, Denpasar and to Makassar, Balikpapan, Manado and Pekanbaru.

Current trading partners are Japan, European Union, America, Singapore, Malaysia and China. Indonesia’s exports are dominated by agriculture and raw materials while imports are in the form of industrial goods.