Access to Green Financing for Rural SMEs: The Strategic Role of Banking in Promoting a Sustainable Circular Economy in Indonesia
農村中小企業へのグリーンファイナンスへのアクセス：インドネシアにおける持続可能な循環型経済促進のための銀行の戦略的役割 (AI 翻訳)
Fahmi Yulian Idris, Ary Yunanto
🤖 gxceed AI 要約
日本語
本研究は、インドネシアの銀行部門が農村の零細・中小企業（MSME）向けグリーンファイナンスを拡大し、循環型経済への移行を加速する方法を検討する。農村MSMEはGDPの61.1％を生み出すが、グリーンローンは総融資の4.5％に過ぎず、大企業に集中している。障壁として、グリーンファイナンスリテラシーの不足、担保重視の与信審査、農村部のデジタル金融包摂の弱さを特定し、マイクログリーンローンやブレンデッドファイナンス保証を含む戦略的枠組みを提案する。
English
This study examines how Indonesia's banking sector can unlock green financing for rural Micro, Small, and Medium Enterprises (MSMEs) to accelerate the transition to a circular economy. Despite MSMEs contributing 61.1% of GDP, green loans account for only 4.5% of total lending, concentrated in large corporations. The paper identifies three barriers: limited green finance literacy, rigid collateral-based credit scoring, and weak digital financial inclusion. It proposes a strategic framework including earmarked micro-green loans, blended finance guarantees, and digital capacity-building programs.
Unofficial AI-generated summary based on the public title and abstract. Not an official translation.
📝 gxceed 編集解説 — Why this matters
日本のGX文脈において
インドネシアの農村MSME向けグリーンファイナンスの課題と戦略を提示。日本では地域金融機関による脱炭素融資の拡大が進む中、本論文の障壁分析（担保偏重、リテラシー不足）は日本の地方銀行にも示唆を与える。ただし、インドネシア特有の制度・経済環境を考慮する必要がある。
In the global GX context
This paper provides a framework for scaling green finance to rural SMEs in Indonesia, a critical but underserved segment. The identified barriers—low literacy, collateral-based lending, and weak digital inclusion—are common in emerging economies. The proposed blended finance and ESG-integrated screening offer practical insights for global policymakers and financial institutions aiming to broaden sustainable finance access.
👥 読者別の含意
🔬研究者:Provides a systematic review of green finance barriers for rural SMEs in an emerging economy context, with a proposed strategic framework.
🏢実務担当者:Offers actionable strategies for banks to design inclusive green loan products and integrate ESG metrics into credit assessment for rural SMEs.
🏛政策担当者:Highlights the need for policy interventions to address green finance literacy, collateral requirements, and digital inclusion to scale sustainable finance.
📄 Abstract（原文）
This study examines how Indonesia’s banking sector can unlock green financing for rural Micro, Small, and Medium Enterprises (MSMEs) and thereby accelerate the national transition toward a circular economy. Although rural MSMEs generate 61.1 % of GDP and employ more than 97 % of the workforce, most still operate in linear value chains and struggle to access sustainable credit. Green loans currently represent only 4.5 % of total bank lending and are concentrated among large corporations, leaving rural businesses underserved. Using a systematic literature review enriched with recent policy and financial data, we identify three intertwined barriers: limited green‑finance literacy, rigid collateral‑based credit scoring that overlooks environmental merit, and weak digital financial inclusion in rural areas. The paper proposes a strategic framework in which banks deploy inclusive green instruments such as earmarked micro‑green loans and blended‑finance guarantees embed environmental, social, and governance metrics into eligibility screening, and deliver targeted capacity‑building programs through digital channels. By adopting these measures and collaborating with government agencies and business associations, banks can simultaneously mitigate portfolio risk, broaden their rural market, and catalyse MSME investment in renewable energy, waste valorisation, and resource‑efficient production. The findings provide actionable guidance for policymakers and financial institutions seeking to scale sustainable finance and demonstrate the pivotal role of rural MSMEs in Indonesia’s low‑carbon economic transformation.
🔗 Provenance — このレコードを発見したソース
- openaire https://doi.org/10.32424/icsema.1.1.400first seen 2026-05-05 19:07:11
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