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| Ministry of Finance disburses Rp18.6 billion in UMi funding to 2,954 micro businesses in East Kalimantan to boost growth and economic resilience in early 2026. (Illustration image) |
Samarinda – The Ministry of Finance (Kemenkeu) continues to strengthen Indonesia’s grassroots economy by distributing Ultra Micro (UMi) financing. From January to February 2026, a total of Rp18.6 billion was channeled to 2,954 ultra micro business owners across East Kalimantan.
Head of the Regional Office of the Directorate General of Treasury (DJPb) East Kalimantan, Tjahjo Purnomo, said the program aims to enhance business capacity while encouraging economic independence among small entrepreneurs.
“The UMi program makes it easier for business owners to access additional capital, allowing them to improve product quality and increase income,” Tjahjo said in Samarinda on Sunday.
More Than Just Funding: Business Mentorship Included
Notably, the UMi program goes beyond financial assistance. Beneficiaries also receive mentoring, training, and business development support.
This approach helps micro-entrepreneurs scale up their businesses while maintaining strong loan repayment performance.
In short, UMi is not just about funding—it is a long-term empowerment strategy.
Trade Sector Dominates Funding Distribution
Out of the total Rp18.6 billion distributed, the trade sector absorbed the largest share:
Micro trade sector: Rp17.84 billion (2,883 borrowers)
Accommodation & food services: Rp200 million (20 businesses)
Manufacturing sector: Rp180 million (15 businesses)
The dominance of the trade sector reflects its simple business model, fast cash flow, and relatively small capital requirements.
“High economic activity in small-scale businesses such as food stalls, agricultural trading, and home industries continues to drive demand for micro financing,” Tjahjo explained.
Kutai Kartanegara Records Highest Absorption
Among the 10 districts/cities in East Kalimantan, the highest UMi distribution was recorded in:
Kutai Kartanegara: Rp4.15 billion
Samarinda: Rp3.61 billion
Balikpapan: Rp3.43 billion
North Penajam Paser: Rp2.85 billion
Paser: Rp1.63 billion
Tjahjo noted that Kutai Kartanegara leads due to the large number of ultra micro businesses spread across villages and sub-districts.
Strengthening Local Economic Resilience
The UMi program plays a crucial role in strengthening local economies, especially for communities with limited access to formal banking services.
With easier access to capital and continuous mentorship, small businesses are expected to grow, increase income, and create new job opportunities.
FAQ
1. What is UMi financing?
UMi (Ultra Micro) financing is a government program designed to support small businesses that are not yet bankable.
2. How much funding was distributed in East Kalimantan?
A total of Rp18.6 billion during January–February 2026.
3. How many beneficiaries received the funding?
2,954 ultra micro business owners.
4. Is UMi only financial assistance?
No. It also includes training, mentoring, and business development programs.
5. Which sector received the most funding?
The micro trade sector.