In addition, Bank Indonesia provides flexibility to allow banks to participate in financing MSMEs and low-income individuals based on their expertise and business model by expanding the financing options for MSMEs and low-income individuals.
In this case, banks can contribute to inclusive financing through 3 (three)  30  modality schemes, namely: (1) direct supply chain inclusive financing, (2) financing through financial institutions and service agencies, including (sharia) rural banks, FinTech, Permodalan Nasional Madani (PNM), and Sarana Multi Finance (SMF), and (3) financing through the purchase of inclusive financing securities, such as Inclusive Government Securities, Inclusive Medium-Term Notes (MTN), and Inclusive Asset-Backed Securities (EBA - Efek Beragun Aset).