Cempaka Business and Economy: Askrindo and SPU set to take center stage

"A Summary" – Apr 2, 2011 (Kryon channelled by Lee Carroll) (Subjects: Religion, Shift of Human Consciousness, 2012, Intelligent/Benevolent Design, EU, South America, 5 Currencies, Water Cycle (Heat up, Mini Ice Ace, Oceans, Fish, Earthquakes ..), Middle East, Internet, Israel, Dictators, Palestine, US, Japan (Quake/Tsunami Disasters , People, Society ...), Nuclear Power Revealed, Hydro Power, Geothermal Power, Moon, Financial Institutes (Recession, Realign integrity values ..) , China, North Korea, Global Unity,..... etc.) - (Text version)

"The Timing of the Great Shift" – Mar 21, 2009 (Kryon channelled by Lee Carroll) - (Text version)

“ … Here is another one. A change in what Human nature will allow for government. "Careful, Kryon, don't talk about politics. You'll get in trouble." I won't get in trouble. I'm going to tell you to watch for leadership that cares about you. "You mean politics is going to change?" It already has. It's beginning. Watch for it. You're going to see a total phase-out of old energy dictatorships eventually. The potential is that you're going to see that before 2013.
They're going to fall over, you know, because the energy of the population will not sustain an old energy leader ..."

"Update on Current Events" – Jul 23, 2011 (Kryon channelled by Lee Carroll) - (Subjects: The Humanization of God, Gaia, Shift of Human Consciousness, 2012, Benevolent Design, Financial Institutes (Recession, System to Change ...), Water Cycle (Heat up, Mini Ice Ace, Oceans, Fish, Earthquakes ..), Nuclear Power Revealed, Geothermal Power, Hydro Power, Drinking Water from Seawater, No need for Oil as Much, Middle East in Peace, Persia/Iran Uprising, Muhammad, Israel, DNA, Two Dictators to fall soon, Africa, China, (Old) Souls, Species to go, Whales to Humans, Global Unity,..... etc.)

"The Recalibration of Awareness – Apr 20/21, 2012 (Kryon channeled by Lee Carroll) (Subjects: Old Energy, Recalibration Lectures, God / Creator, Religions/Spiritual systems (Catholic Church, Priests/Nun’s, Worship, John Paul Pope, Women in the Church otherwise church will go, Current Pope won’t do it), Middle East, Jews, Governments will change (Internet, Media, Democracies, Dictators, North Korea, Nations voted at once), Integrity (Businesses, Tobacco Companies, Bankers/ Financial Institutes, Pharmaceutical company to collapse), Illuminati (Started in Greece, with Shipping, Financial markets, Stock markets, Pharmaceutical money (fund to build Africa, to develop)), Shift of Human Consciousness, (Old) Souls, Women, Masters to/already come back, Global Unity.... etc.) - (Text version)

“… The Shift in Human Nature

You're starting to see integrity change. Awareness recalibrates integrity, and the Human Being who would sit there and take advantage of another Human Being in an old energy would never do it in a new energy. The reason? It will become intuitive, so this is a shift in Human Nature as well, for in the past you have assumed that people take advantage of people first and integrity comes later. That's just ordinary Human nature.

In the past, Human nature expressed within governments worked like this: If you were stronger than the other one, you simply conquered them. If you were strong, it was an invitation to conquer. If you were weak, it was an invitation to be conquered. No one even thought about it. It was the way of things. The bigger you could have your armies, the better they would do when you sent them out to conquer. That's not how you think today. Did you notice?

Any country that thinks this way today will not survive, for humanity has discovered that the world goes far better by putting things together instead of tearing them apart. The new energy puts the weak and strong together in ways that make sense and that have integrity. Take a look at what happened to some of the businesses in this great land (USA). Up to 30 years ago, when you started realizing some of them didn't have integrity, you eliminated them. What happened to the tobacco companies when you realized they were knowingly addicting your children? Today, they still sell their products to less-aware countries, but that will also change.

What did you do a few years ago when you realized that your bankers were actually selling you homes that they knew you couldn't pay for later? They were walking away, smiling greedily, not thinking about the heartbreak that was to follow when a life's dream would be lost. Dear American, you are in a recession. However, this is like when you prune a tree and cut back the branches. When the tree grows back, you've got control and the branches will grow bigger and stronger than they were before, without the greed factor. Then, if you don't like the way it grows back, you'll prune it again! I tell you this because awareness is now in control of big money. It's right before your eyes, what you're doing. But fear often rules. …”

Monday, November 05, 2007

Askrindo and SPU set to take center stage

The Jakarta Post, Jakarta

The government is scheduled Monday to officially kick off its SME-empowerment program and allow state-owned credit insurers PT Askrindo and Perum Sarana Pengembangan Usaha (SPU) to start using the Rp 1.45 trillion (some US$149 million) in credit guarantee funds allocated under the program.

Under the program, the two firms are expected to help provide guarantees for around 580,000 small and medium companies seeking bank loans.

"That's assuming that the average bank loan extended to each SME under this program stands at around Rp 25 million," Askrindo director Suharsono told The Jakarta Post in an interview last week.

Bakti Prasetyo, SPU director of Business Development, added: "We know that a lack of financing access for our SMEs has been a major obstacle hampering the sector's growth.

"So, basically what we do is help SMEs become bankable, by sharing the customers' risk of default with the bank."

The program forms parts of the government's intensified efforts to promote a wider role for SMEs, providing them with easier credit and collateral schemes. This is crucial as the sector accounts for most business enterprises here, and contributes greatly to production and employment.

According to a recent joint study by the Cooperatives and SMEs Ministry and the Central Statistics Agency (BPS), over 99 percent of the country's businesses are SMEs. Last year, the sector provided work for 96.18 percent of the country's 85.4 million-strong workforce.

Yet despite being an essential part of the country's private sector, most SMEs suffer from capital constraints and poor management that derail their growth.

Askrindo and SPU have so far guaranteed a combined Rp 130 trillion of bank credit will be disbursed to around 7.7 million small and medium businesses.

"Under this program, the participating banks can only charge interest at a maximum rate of 16 percent," Suharsono said, adding that the two companies have signed a cooperation deal with six banks for the program.

They are Bank Mandiri, Bank Rakyat Indonesia (BRI), Bank Negara Indonesia (BNI), Bank Tabungan Negara (BTN), Bank Syariah Mandiri and Bank Bukopin.

"Keep in mind that, the six banks, Askrindo and SPU, have their own business plans for SMEs respectively. So this (government's) program actually runs separately with our respective programs," added Bakti.

In another program to help empower the country's SME sector, Askrindo, SPU and PT Penjaminan Kredit Pengusaha Indonesia -- a privately owned credit guarantor -- will host the 20th Asian Credit Supplementation Institution Confederation (ACSIC) on Nov. 5-8 in Nusa Dua, Bali.

"In this annual event, we usually share knowledge and learn from each other, mostly about regulations, on how to further promote the sector," said Suharsono.

"We could learn a lot from them. Japan for instance, despite being a developed country, they have in fact a huge number of SMEs and their government is doing its utmost to help them. They now have 54 companies that can guarantee SME bank loans, as compared to three here in Indonesia."

The organizing committee says that 94 participants from 11 countries and 16 regional institutions have confirmed their participation.

Cempaka Business and Economy

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Monday, November 05, 2007

Askrindo and SPU set to take center stage

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