PT Bank Negara Indonesia Tbk (BNI) continues to encourage micro, small, and medium enterprises (MSMEs) to develop and penetrate the global market through the Jejak Kopi Khatulistiwa (JKK) and Xpora programs. BNI Corporate Secretary Okki Rushartomo explained that the JKK program is a social forestry program that aims to provide access to financing for coffee farmers who have received formal land management rights from the state. "In addition, this program also has the potential to increase the green economy, especially for export-oriented coffee MSMEs," said Okki in his statement, on Tuesday, February 11th 2025. Okki said that this program is expected to increase the competitiveness of coffee farmers in Indonesia, as well as increase financial inclusion among coffee farmers.
The program, which has been running since 2022, also provides various supports, ranging from education, curation, incubation, business matching, to the use of financial transaction solutions at BNI. BNI JKK has been present in five provinces in Indonesia, including Humbang Hasundutan Regency (North Sumatra), Rejang Lebong (South Sumatra), Garut (West Java), Jember (East Java), and Temanggung (Central Java). As of December 2024, BNI has distributed credit of IDR 67.2 billion to 525 coffee farmers in various regions in Indonesia. Enung Sumartini, one of the coffee producers from Garut, West Java, who participated in the BNI JKK program, owner of the Mahkota Java Coffee brand. She admitted that she had received many benefits from the program in developing her business. "I am grateful to be able to participate in the Xpora business matching program organized by BNI with prospective buyers from abroad. I was also invited to various exhibitions to introduce coffee from Garut," said Enung. Currently, Enung has also founded the Kasuga Farmers Group (Original Coffee from Garut) which has around 130 farmer members. Her product is often competed in international events. Buyers are spread across various countries, such as Taiwan and Singapore. In a year, Enung managed to sell around 100 tons of coffee beans.
