Bank Rakyat Indonesia

The Bank Rakyat Indonesia (BRI) is one of the larger banks in Indonesia, and also the most profitable. She has about 30 million retail customers that are served in more than 4,000 stores and rural outposts. She is one of the largest microfinance provider in the world and one of the pioneers in this field.

The business customer share is relatively small. Originally, the Bank was 100 percent the Indonesian government until 2003 30 percent of the shares were sold through an IPO. The company is listed LQ -45 share index.

History of BRI

The bank's history goes back to the 1895 Founded in Purwokerto in Central Java " De Poerwokertosche Hulp en Spaarbank the Inlandsche Hoofden ", a bank from the Dutch colonial era, back. After several name changes, it was nationalized in 1945 as part of the independence. From the banking crisis in 1997, the BRI was hardly affected, since their international business is relatively small. Since 1998, the beginning of the reform process, the state is attracting more and more back from the line of the bank.


The BRI is divided into four divisions Microfinance (Micro Banking), Retail Banking, Corporate Banking and Investment Banking divided.

The microfinance sector has a number of micro - savings products for urban and rural micro - clients and a micro- credit program with loans between 25,000 rupees ( U.S. $ 3) and 50 million rupees ( U.S. $ 5,000 ).

The BRI as microfinance providers and development actors

1970 approximately 3,600 Unit Desa (German village banks ) have been created to support the Green Revolution under a government program. The village banks were also used to distribute state- subsidized small loans, but failed. 1984, this village banks were then reorganized into autonomous small banks, with the aim to mobilize the savings of the rural population and to forgive yourself supporting microcredit.

The BRI is not a governmental body to fight poverty. However, the moderate -income middle to upper part of the poor population accounts for a large part of the clientele. Government anti-poverty programs, such as "The Income Generating Program for Small Farmers and Fishermen ," are performed on the BRI.

Together with the Grameen Bank and Banco Sol in Latin America, the BRI is one of the world's largest microfinance banks.