RRI.CO.ID, Palangka Raya – The Central Kalimantan Provincial Administration is rolling out a specialized credit scheme titled "Huma Betang Unggul, Efisien, dan Tangguh," or Haguet, to bridge the financing gap for thousands of local entrepreneurs. This initiative is designed to provide interest-free capital to approximately 3,000 micro, small, and medium enterprises (MSMEs) operating within the province’s most vital economic sectors.

The Expert Staff to the Governor for Government, Law, and Politics, Darliansjah, officially introduced the program in Palangka Raya on Friday, April 10, 2026. He detailed that the financial assistance is tailored for high-impact industries including local food production, fisheries, the creative economy, and the downstream processing of village-based products.

“This program targets approximately 3,000 business players in priority sectors such as local food, fisheries, the creative economy, and the downstreaming of village products. Each debtor can obtain a maximum credit limit of up to IDR 50 million (USD 2,925.03)," explained Darliansjah, as quoted by Antara.

Haguet operates through a collaborative risk-sharing model between the provincial administration and Bank Kalteng, further supported by credit guarantees from PT Jamkrida Central Kalimantan.

The financial structure effectively reduces the interest burden to zero for the borrower. The annual 6% interest rate is co-funded, with the regional budget covering 3% and the bank absorbing the remaining 3%. Under this arrangement, debtors are only responsible for repaying the principal loan amount.

Beyond providing capital, the program addresses the systemic "unbankable" status often faced by local businesses due to lack of collateral or weak bookkeeping. To mitigate these risks, PT Jamkrida provides 70% credit coverage, while the administration implements a digital dashboard to monitor loan distribution and MSME performance in real time.

The economic implications of the Haguet program are substantial. It is projected to circulate approximately IDR 225 billion (USD 13,162,516.00) throughout the regional economy and is expected to create employment opportunities for between 6,000 and 9,000 people.

Darliansjah emphasized that the success of the program hinges on its holistic approach, combining financial intervention with structured business mentoring.

“The intervention carried out is not enough through interest subsidies alone, it must be integrated, starting from financing and guarantees to comprehensive business mentoring,” he concluded. ***