BRI Research Institute

What BRI Research Institute does

BRI Research Institute (BRIRINS) is the dedicated research and training arm of PT Bank Rakyat Indonesia (BRI), one of Indonesia's largest state-owned banks and the world's largest microbanker. Founded in 2019 and headquartered at BRI II Tower 29th Floor in Jakarta, the institute operates with a team of 32 employees focused on microfinance research, MSME (UMKM) empowerment, digital inclusion, and financial inclusion capacity-building. Its product portfolio is anchored on the LinkUMKM digital platform — a comprehensive MSME empowerment ecosystem offering business readiness scoring (Skoring UMKM/UMKM Smart), training modules, consultation services, financial literacy programs, knowledge bases, and digital storefronts — supplemented by BRIncubator for business incubation, BRIeF (BRI International Delegation Forum) for global knowledge exchange, Halal Center for certification assistance, and the BRILian Specialist Development Program (BSDP) for internal BRI staff training across multiple banking specializations. Supporting offerings include the annual BRI Microfinance Outlook conference, LSP Microfinance Indonesia professional certification, Majalah Profile e-magazine, and Plataran UMKM.

The institute generates revenue through professional services — fee-based training programs, technical assistance, and advisory services delivered to BRI internal units, external institutions (such as PT Pegadaian), government bodies, and international delegations. Revenue streams include training delivery (BSDP batches, BRIncubator), technical assistance projects, research publications (BRI Microfinance Outlook, MSME Business Index), and the BRIeF international delegation program. No proprietary technology stack is disclosed; the platform operates on standard web and mobile infrastructure. GTM is driven by institutional relationships within the BRI Group, government partnerships, and international delegation programs, with services delivered via both direct engagement at BRI's Jakarta headquarters and digital self-service through LinkUMKM.

The institute serves a horizontal segmentation across four primary customer bases: (1) Indonesian MSMEs (ultra-micro through medium enterprises) receiving training, digital empowerment, and certification assistance; (2) microfinance institutions and banks seeking knowledge partnerships through BRIeF delegations; (3) BRI Group internal staff receiving specialized development programs; and (4) international delegations and foreign institutions studying BRI's microfinance model. Distribution leverages BRI's nationwide network of 500,000+ touchpoints including Mantri BRI field officers and Agen BRILink agents, supplemented by Rumah BUMN centers, the LinkUMKM digital platform, and direct field engagement.

Name

BRI Research Institute

Legal name

BRI Research Institute

Website

https://bririns.or.id

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

BRI Research Institute is the research and training arm of Bank BRI, focused on microfinance research, MSME empowerment, and financial inclusion through digital platforms like LinkUMKM, training programs, and international delegation forums. The institute serves Indonesian MSMEs, BRI internal staff, and global microfinance institutions.

Ownership category

akta.pro rank

Product category

Microfinance Research & Training Services

NAICS

Other Scientific and Technical Consulting Services (54169), Colleges, Universities, and Professional Schools (611310)

SIC

Finance Services (6199)

akta.pro primary industry

Credit Research (FSACAGAB)

Keywords

• MSME empowerment training
• Microfinance research
• Financial inclusion advisory
• Halal certification services
• Digital MSME platform

Headquarters

HQ city

Jakarta

HQ country

Indonesia

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales

Revenue model

1. Training and Technical Assistance Services: BRI Research Institute generates revenue through fee-based training programs, technical assistance, and professional development services delivered to BRI internal units, external institutions (such as PT Pegadaian), government bodies, and international delegations. Programs include the BRILian Specialist Development Program (BSDP), BRIncubator, and BRI International Delegation Forum (BRIeF).
2. Research Publications and Advisory: The institute produces and disseminates research outputs including the BRI Microfinance Outlook, MSME Business Index, and LinkUMKM Outlook, which serve as knowledge products for policymakers, financial institutions, and MSME stakeholders. These publications reinforce BRI's thought leadership in microfinance and may generate indirect revenue through stakeholder engagement and policy influence.

Go-to-market motion1 record

Distribution channels6 records

Marketing channels7 records

Core offering

BRI Research Institute is the research and training arm of Bank Rakyat Indonesia (BRI), delivering microfinance research, MSME capacity-building programs, technical assistance, and international delegation forums. It operates the LinkUMKM digital empowerment platform and runs structured training series (BSDP, BRIncubator), halal certification assistance (Halal Center), and the annual BRI Microfinance Outlook conference and publications.

Product overview

BRI Research Institute (BRIRINS) is a research and training institution under Bank BRI, operating from BRI II Tower, Jakarta. Its product portfolio centers on the LinkUMKM digital empowerment platform — a comprehensive ecosystem providing MSME scoring (Skoring UMKM/UMKM Smart), training modules, consultation, financial literacy, and digital storefronts — supplemented by BRIncubator for business incubation, BRIeF for international delegation programs, Halal Center for certification assistance, and BRILian Specialist Development Program (BSDP) for internal staff training across multiple banking specializations. Supporting offerings include BRI Microfinance Outlook (annual conference/publication), Majalah Profile e-magazine, LSP Microfinance Indonesia (professional certification), and Plataran UMKM. The overall architecture is a platform-plus-services model where LinkUMKM serves as the core digital portal, with specialized programs feeding into it, and research publications providing the analytical foundation for MSME ecosystem development.

Differentiator

Problem solved

Functional benefit

Brands

• LinkUMKM: Digital platform for MSME empowerment providing skoring, training, and business development services
• BRIeF
• BRIncubator
• BSDP
• BRI Microfinance Outlook
• BRILife

Products and services

• LinkUMKM A comprehensive digital empowerment platform for Indonesian MSME actors providing Skoring UMKM business readiness scoring, UMKM Smart business development assessment, training modules, consultation services, financial literacy programs, MSME Pedia knowledge base, community networking, and digital storefronts. Accessible via website and smartphone applications.
• BRIncubator MSME training and incubation program providing business development support, digitalization training, and entrepreneurship education, including the BRIncubator Goes to Campus series at universities and commodity-based online training programs.
• BRIeF (BRI International Delegation Forum) International delegation forum and learning program offering 5-day intensive programs on microbanking, financial inclusion, and MSME empowerment for international institutions, including field visits to BRI operational units and training from BRI experts and Indonesian financial regulators.
• Halal Center Halal certification assistance program providing technical guidance, halal assurance system (SJPH) training, and certification support for MSME products in compliance with Indonesia's Halal Product Guarantee Law (JPH).
• BRILian Specialist Development Program (BSDP) Structured staff development program series covering multiple specializations including RM Briguna (consumer banking), RM KPP (property financing), RM Funding & Transaction (RMFT), Regional Funding & Transaction Head, Funding & Transaction Manager, Business Support Assistant, and collaboration programs with RCBH & RFTH. Each program includes interactive learning sessions, role plays, case studies, and coaching.
• BRI Microfinance Outlook Annual conference and publication series presenting research findings, market indices, and outlook on Indonesian microfinance and MSME sectors, featuring expert speakers from academia, government, and financial institutions.
• LSP Microfinance Indonesia Professional certification institution for microfinance competency standards, established by BRI Research Institute to build and certify professional competencies in Indonesia's microfinance sector.
• Plataran UMKM MSME assistance program focused on halal certification process guidance, providing online classes and technical support to help MSME winners achieve halal certification through the GUKMI curation event.
• Privela.id Trusted digital travel solution providing digital travel services for Indonesian consumers.
• Majalah Profile / BMC News E-magazine and communication media publication providing MSME insights, economic reviews, and industry publications, including Majalah Profile editions and BMC News newsletters covering microfinance and entrepreneurship topics.

Quantifiable outcome

• 1,502 products from 77 UMKM across 14 provinces received halal certification through BRI Peduli TJSL program in 2025
• +5 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

15 partnerships are on record, tiered minor, core and flagship.

• PaDI UMKM / Telkom IndonesiaminorGTM or Marketing Partner · 15 October 2025LinkUMKM partnered with PaDI UMKM (Telkom Indonesia's MSME platform) for the PaDi Talks webinar series. The collaboration focused on digital transformation for MSMEs, introducing LinkUMKM's features and strategies for building resilient and competitive MSMEs in the digital era. Over 60 participants attended the session.
• BoxCommercecoreStrategic or Co-development Partner · 31 July 2025BRI Research Institute signed a cooperation agreement (PKS) with BoxCommerce to accelerate MSME digitalization in Indonesia. The partnership includes joint workshops such as 'Digitalization & Marketing Synergy' where BoxCommerce provides webcommerce platform training to help MSMEs build independent online stores with integrated payment systems. The collaboration targets MSME digitization and reduced reliance on third-party e-commerce platforms with high commission fees.
• Kementerian Koordinator Bidang Perekonomian / LKPP / HIPPINDOcoreGTM or Marketing Partner · 23 July 2025LinkUMKM (under BRI Research Institute) participated in Inabuyer B2B2G Expo 2025 organized by the Ministry of Cooperatives and SMEs together with LKPP (Lembaga LKPP) and HIPPINDO (Indonesian Retail and Tenant Association). The event facilitated MSME business matching for government procurement, with total potential transactions recorded at Rp 2.1 trillion.
• MARUHAN Japan Corporation GroupflagshipStrategic or Co-development Partner · 21 July 2025MARUHAN Japan Corp. participated in the BRI International Delegation Forum (BRIeF) 2025, a 5-day intensive training program on 'Strengthening Financial Inclusion: Learn, Experience, and Grow with BRI Sustainable Microbanking System.' The program included 2 days of classroom training at BRI headquarters and 3 days of field visits to BRI operational units in Bandung, covering microfinance strategy, digitalization, branchless banking, MSME finance, and community-based empowerment. MARUHAN cited the locally-rooted ecosystem model as highly impressive and of practical value for their operations across Southeast Asia.
• Fakultas Pertanian Universitas Gadjah Mada (UGM)minorImplementation/ SI/ Consulting Partner · 25 June 2025BRI Life and BRI Research Institute engaged the Faculty of Agriculture at UGM to provide student mentors for the UMKM Monalisa empowerment program in Gayamharjo, Sleman. UGM students supported the program in producing MOCAF (Modified Cassava Flour) from locally grown cassava, combining academic expertise with community impact.
• Kementerian Koperasi dan UKM RIcoreGTM or Marketing Partner · 26 May 2025LinkUMKM collaborated with the Ministry of Cooperatives and SMEs (Kementerian UMKM) to conduct financial literacy webinars for MSME actors. The ministry and BRI Research Institute co-host educational programs to improve bookkeeping, financial reporting, and business management skills among micro and small entrepreneurs across Indonesia.
• Indonesian Trade Promotion Center (ITPC) SydneyminorGTM or Marketing Partner · 21 May 2025LinkUMKM collaborated with ITPC Sydney for a webinar on 'Export Regulations & Strategies for Indonesian MSMEs to the Australian Market.' ITPC Sydney provided market intelligence on Australian trade regulations, buyer networks, and distribution channels, while BRI Research Institute supported the program as the enabling institution behind LinkUMKM.
• Government of the United Kingdom — Digital Access Programme (DAP)flagshipStrategic or Co-development Partner · 1 February 2025The UK Government, through its Digital Access Programme (DAP) and the British Embassy Jakarta, partnered with BRI Research Institute to implement a 'Digital and MSME Empowerment for Women and Youth' program across West Java, Lampung, and Lombok. The program trained ~500 micro entrepreneurs, developed 100 mentors, and launched the 'Perempuan Cerdas Digital' learning platform and four Digital Corners (Pojok Digital). Phase 2 extended to Lombok with ~250 women and youth entrepreneurs.
• Gerakan Nasional Bangga Buatan Indonesia (BBI) & Bangga Berwisata di Indonesia (BBW)flagshipStrategic or Co-development Partner · 24 September 2024BRI Research Institute participated in the #SMEstaTalks webinar, part of a strategic collaboration between the National Movement for Proudly Made in Indonesia (BBI) and Proudly Vacationing in Indonesia (BBW). The initiative aims to boost MSME growth in local areas amid intensifying local and global market competition.
• Pusat Inkubasi Bisnis Politeknik Negeri Semarang & Pusat Inkubasi Bisnis Universitas Jenderal SoedirmanminorImplementation/ SI/ Consulting Partner · 7 August 2024For the Eceng Gondok MSME empowerment program in Waduk Rawa Pening, Semarang, BRI Life (in collaboration with BRI Research Institute) engaged the business incubation centers of Politeknik Negeri Semarang and Universitas Jenderal Soedirman to provide training on MSME capacity building, covering production, marketing, and digital sales strategies.
• LPPOM MUIcoreStrategic or Co-development Partner · 1 June 2024BRI Research Institute collaborates with LPPOM MUI (Lembaga Pengkajian Pangan, Obat-obatan, dan Kosmetika MUI) for the BRI Peduli TJSL Halal Certification Program. LPPOM MUI serves as the halal certification auditor and provides technical guidance to UMKM participants. Since 2021, the program has assisted 382 UMKM, with 1,502 products certified halal in 2025 alone. LPPOM MUI trainers deliver bimtek (technical guidance) sessions on halal assurance systems (SJPH) and certification procedures.
• PT PegadaiancoreImplementation/ SI/ Consulting Partner · 27 February 2024BRI Research Institute partnered with PT Pegadaian (Indonesia's state-owned pawnshop company) to deliver the Micro Business Academy Training — Refreshing Account Officer Batch III & IV. The program trained 60 account officers from PT Pegadaian's Jakarta region on microbusiness competencies, relationship management, and sales techniques. Two expert trainers with 15+ years of banking and marketing experience were provided by BRI Research Institute.
• Badan Layanan Umum Pusat Investasi Pemerintah (PIP)coreStrategic or Co-development Partner · 1 January 2017PIP (Pusat Investasi Pemerintah) is a government investment fund manager mandated to coordinate and channel ultra-micro (UMi) financing in Indonesia. BRI Research Institute conducts research and advocacy supporting the UMi financing ecosystem managed by PIP, with cumulative UMi disbursements reaching Rp26.69 trillion to 7.52 million debtors (as of February 2023). BRI Research Institute's data and policy recommendations inform the design of UMi linkage programs with PT Pegadaian and PT PNM.
• Otoritas Jasa Keuangan (OJK)coreStrategic or Co-development PartnerOJK (Financial Services Authority) regulators participate in BRI Microfinance Outlook conferences and serve as expert speakers in BRIeF international delegation programs. BRI Research Institute maintains ongoing policy dialogue with OJK on MSME finance regulations, financial inclusion targets, and fintech integration frameworks.
• TEKUN Nasional MalaysiaminorStrategic or Co-development PartnerBRI Research Institute conducted BRIeF programming with TEKUN Nasional Malaysia, a Malaysian microfinance institution, facilitating knowledge exchange on microbanking strategies, MSME financing, and financial inclusion best practices between Indonesian and Malaysian institutions.

Scale indicators14 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Accion: Global nonprofit operating microfinance and financial inclusion programs with substantial thought-leadership and research outputs. Comparable mission and operating model — combining on-the-ground program delivery, advisory services, and research-driven thought leadership across emerging markets.
• BRAC: Bangladesh-based development organization with large microfinance operations, social programs, and a research arm. Comparable integration of microfinance research, training, and on-the-ground program delivery at significant scale in an emerging market.
• CGAP (Consultative Group to Assist the Poor): Global multi-donor partnership housed at the World Bank that produces authoritative research and technical advisory on financial inclusion, microfinance, and digital finance for poor households. Directly comparable to BRIRINS's research-and-advisory mandate in microfinance and MSME finance, with a similar combination of publications, indices, and policy engagement.
• Bank Indonesia Institute: Central bank research and training arm providing macro-financial research, banking certification, and policy training in Indonesia. A parallel organizational model to BRIRINS as a financial institution's dedicated research/training subsidiary operating in the same national financial ecosystem.
• PaDi UMKM (Telkom Indonesia): Telkom Indonesia's MSME digital platform providing e-procurement, business matching, and digital training. Directly competes with LinkUMKM in Indonesia's MSME digital ecosystem and shares a similar state-owned-enterprise corporate parentage model.
• 60 Decibels: Impact measurement and customer research firm benchmarking financial services for low-income customers globally. Methodologies parallel BRIRINS's MSME Business Index and research outputs, with overlapping customer segments in emerging market MSME finance.
• Asian Development Bank Institute (ADBI): Tokyo-based think tank conducting research and capacity building on development economics, financial inclusion, and Asia-Pacific economic integration. Comparable research/training mandate serving emerging markets with a similar blend of policy research, conferences, and delegation programs.

Others

• GIZ Indonesia: German development cooperation agency with significant MSME and financial inclusion programs in Indonesia. Acts as a development partner and program co-funder rather than a direct competitor — comparable in its mandate to support Indonesian MSME empowerment through training and technical assistance.

Broad incumbents

• IFC Financial Inclusion Group: World Bank Group member providing investment, advisory, and asset management for financial inclusion in emerging markets. Adjacent in mission and adjacent in advisory outputs, but with a much broader institutional footprint and global reach than BRIRINS.

Regional players

• Finmark Trust: South African non-profit focused on financial inclusion research, MSME finance, and consumer financial health across Africa. Same research-driven mandate as BRIRINS but focused on a different geography with no overlap in Indonesia operations.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/bri-research-institute

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

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M&A

Investments

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Frequently asked questions about BRI Research Institute