FIELD VISIT PROGRAMME

On the second day of the workshop, the experts and participants visited the micro finance village units in Cipayung and Cisarua, West Java. This programme is organized in cooperation with Bank Rakyat Indonesia (BRI) which is a leading micro credit institution in Indonesia. Field visit programme aims to expose the workshop participants to the real micro finance activities including best practices in this particular field and also to experience the systems applied in their actual normal daily operation. These village units are among the best managed units in West Java. Prior to the field visit the participant met with BRI directors who comprehensively explained about BRI activities ranging from its micro credit operation system, policy and strategy.

During this field visit the participants witnessed and observed the daily activities of a typical micro finance unit. Questions and comments directly addressed to the unit managers enriched the participants view on how to successfully manage a micro credit activity. At the end of the field visit programme, the workshop participants also visited a micro credit customer who has benefited from that particular financing scheme in developing and growing his decorative-resin business. Profile of the village units and the micro credit customer are as follows :

BRI UNIT IN CIPAYUNG, WEST JAVA

BRI Unit Cipayung was established in 1995 (before 1955 it was a Service Post), with the performance in the end of May 2002 are as follows (in thousand rupiah),

Total Loan Outstanding Total borrower Cumulative Disbursement Total Deposits	: : : :	Rp. 3,131,355 825 Rp. 14,926,150 Rp. 4,516.056 (5,864 depositors), consists of:
Checking Account Time Deposits Simpedes	: : :	Rp. 1,259 (37 persons) Rp. 820,400 (66 persons) Rp. 3,694,397 (5,761 persons)
Profit Total employee	: :	Rp. 185,094 4 persons
1 USD = Rp. 9,000

BRI UNIT IN CISARUA, WEST JAVA

BRI Unit Cisarua was established in 1974, with the performance in the end of May 2002 are as follows (in thousand rupiah),

Total Loan Outstanding Total borrower Cumulative Disbursement Total Deposits	: : : :	Rp. 2,549,025 630 Rp. 19,294,563 Rp. 17,241,814 (22,301 depositors), consists of:
Checking Account Time Deposits Simpedes	: : :	Rp. 962,550 (30 persons) Rp. 2,397,500 (166 persons) Rp. 14,843,352 (22,105 persons)
Profit Total employee	: :	Rp. 442,588 5 persons
1 USD = Rp. 9,000

CUSTOMER PROFILE

Name	:	Mr. Andrue Atja (43 years old with two children)
Address	:	Tugu Selatan Village, Cisarua Sub District
Current Business	:	Decorative Resin Products
Business Experience	:	12 years (Before he started his own business he worked in Japan)
Main User Product	:	Many companies & institutions in Jakarta
Credit History	:	He has borrowed from BRI Unit Cisarua since 1997 The Fist Loan was Rp. 6,000,000 (US $ 600) The Second Loan was Rp. 9,900,000 (US $ 990) The Third Loan was Rp. 9,900,000 (US $ 990) The Current Loan is Rp. 10,000,000 (US $ 1,000) with loan term is 18 month

Group of Field Visit:

GROUP 1 : CIPAYUNG	GROUP 2 : CISARUA
Ms. Cecilia Charles Keenja Mr. Riza Primahendra Mr. Emil Camillus Shanthilal Anthony Mr. B.S. Bhasin Mr. Saad Ishak Ms. Sree Vityha Harilingam Ms. Thi Hong Van Cao Ms. Pg. Hj. Basmah Abbas Mr. Lay Hy Chhea Mr. Josef Sinarko Wibowo Mr. Hendra Prabowo Mr. Suprapto Djogoikromo Mr. Achmad Rofi’ie Mr. Deni Taihitu Mr. Faisal Hakim IMA Press Press	Mr. Edelberto Torres Mr. Shankar Prasad Paudiyal Mr. Joseph William Nyamunda Ms. Divanandum Prabha Chinien Ms. Magdalen Akreampong Abrokwa Mr. Yusuf Nawawi Mr. Shabbir Ahmed Chowdhury Ms. Delima Kiswanti Mr. Firmansyah Kustiawan Mr. Hadi Sudarman Mr. H. Moh. Montahar S. Ms. Indy Hardono Mr. Subandiyo Mr. Suroso Ms. Ira Zuraida IMA Press Press Press

participants are listening attentively to the explanation on a village unit operation in Cisarua, West Java

visit to micro credit customer: a small-scale business in production of decorative resin products in Cisarua, West Java