Monday, 21 September 2026
JAKARTA | INDATANEWS.COM - Deputy Minister of Manpower Afriansyah Noor has emphasized the importance of qualified workers in supporting risk management in the microbanking sector. He said workforce quality is an important factor in sustaining the development of the microfinance sector, which plays a strategic role in the community's economy and in expanding access to financing for micro, small and medium enterprises (MSMEs).
Afriansyah made the remarks as a speaker at the launch of the Microbanking Risk Management Certification Program in Jakarta on Wednesday, September 16, 2026. He said the development of the microbanking sector requires workers who possess not only theoretical knowledge but also practical skills and the ability to apply occupational standards in accordance with industry requirements."The microbanking sector plays a strategic role in the community's economy because it serves as an important pillar in providing access to financing for micro, small and medium enterprises (MSMEs)," Afriansyah said at the launch of the Microbanking Risk Management Certification Program in Jakarta on Wednesday, September 16, 2026.
Afriansyah explained that risk management is an important component of microbanking operations. The sector faces various risks, including credit risk, operational risk and fraud. Therefore, it requires workers who can identify potential risks, control their impact and continuously monitor risk developments.
According to Afriansyah, these capabilities cannot be developed through theoretical knowledge alone. Workers need to understand how risk management principles are applied in real-world work situations. Practical skills, professional attitudes and relevant experience are also essential elements of competence that need to be continuously developed.Changes in the financial industry are also causing workforce competency requirements to evolve continuously. The rapid dynamics of the industry require workers who can adapt to changing occupational requirements, new service models and risk management challenges in the microbanking sector.
Therefore, competency development must be carried out continuously. Workers should not only be familiar with applicable procedures but also be capable of taking appropriate action when they encounter problems in the workplace.
In connection with strengthening professional competence, Afriansyah described competency certification as one of the instruments that can help ensure that workers meet specific competency standards. At the same time, he emphasized that certification must not merely become an administrative formality.
A certificate must reflect a worker's actual ability to perform their duties. The assessment process must also ensure that the competencies demonstrated meet established standards as well as the actual requirements of the workplace."Competency certification must comply with the 4T principle, namely measurable, tested, validated and trustworthy. Success must not be measured by the number of certificates issued, but by the concrete impact on increasing productivity and improving the quality of industrial management," he emphasized.
The 4T principle is an important element in maintaining the credibility of certification. Measurability provides clear indicators for assessing competencies, while a tested process confirms workers' abilities through an appropriate assessment mechanism.Validation is also necessary to ensure that certification results are based on a traceable and accountable foundation. The principle of trustworthiness, meanwhile, is essential to ensure that certification is recognized and can serve as a reference for both workers and companies.
Through this approach, certification is not intended merely as formal recognition of a worker's abilities. Instead, it is also expected to provide a reliable picture of the competencies that can actually be applied in day-to-day work.
To ensure that competency certification complies with the 4T principle, the Indonesian Ministry of Manpower carries out five key responsibilities. These include ensuring competency standards, maintaining the quality of training programs, recognizing qualifications, aligning programs with labor market requirements through the Link and Match concept, and monitoring the impact of certification on industrial efficiency.
The Ministry of Manpower carries out these responsibilities to ensure that competency certification continues to meet the requirements of the world of work. Alignment between certification programs and industry needs is important so that workers acquire competencies that can be directly applied in their workplaces.Ensuring training quality is also part of competency development. Training programs must provide knowledge and skills that meet applicable standards, giving workers an adequate foundation before they undergo the certification process.
Recognition of qualifications, meanwhile, provides clarity regarding the competencies that workers have already acquired. The Ministry of Manpower also promotes connections among training institutions, certification bodies and companies so that human resource development programs are not implemented separately from labor market requirements.The Link and Match approach enables competency development to adapt to changes in the world of work. In this way, certification is expected not merely to produce workers who possess documents recognizing their competencies, but also workers whose skills correspond to industry requirements.
Afriansyah emphasized that the impact of certification on the world of work requires particular attention. The success of a program cannot be measured solely by the number of certificates issued. It is also important to assess the extent to which the competencies acquired contribute to increased productivity and improvements in the quality of industrial management.Strengthening competencies in microbanking is also closely related to the need to maintain the quality of risk management. Workers whose competencies meet established standards can help microfinance institutions manage various risks in a more systematic and measurable manner.
The microbanking sector itself is closely connected to financing for MSMEs. Therefore, workforce quality and sound risk management are important factors in ensuring the sustainable provision of financial services to the public.By strengthening competency standards and establishing credible certification, the Ministry of Manpower seeks to develop human resources in a way that benefits both workers and industry requirements. Certification is not expected to stop at administrative recognition but should serve as an instrument for demonstrating workers' actual abilities in performing their duties.
This approach can help align improvements in workforce competence with the development of the microbanking sector. Workers with appropriate skills, professional attitudes and relevant experience are expected to contribute to stronger risk management while improving the quality and productivity of the industry. (IDNC)REPORTER: Ahmad Zulfikar | EDITOR: Fik Sagala
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