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Wcms 117126.Pdf Copyright © International Labour Organization 2007 First published 2007 Publication of the International Labour Office enjoy copyright under Protocol 2 of the Universal Copyright Convention. Nevertheless, short excerpts from them may be reproduced without authorization, on condition that the source is indicated. For rights of reproduction or translation, application should be made to the ILO Publications (Rights and Permissions), International Labour Office, CH-1211 Geneva 22, Switzerland, or by email: [email protected]. The International Labour Office welcomes such applications. Libraries, institutions and other users registered in the United Kingdom with the Copyright Licensing Agency, 90 Tottenham Court Road, London W1T 4LP [Fax: (+44) (0)20 7631 5500; email: [email protected]], in the Uited States with the Copyright Clearance Center, 222 Rosewood Drive, Danvers, MA 01923 [Fax: (+1) (978) 750 4470; email: [email protected]] or in other countries with associated Reproduction Rights Organizations, may make photocopies in accordance with the licences issued to them for this purpose. International Labour Organization SIYB Directory of Advice and Assistance Nanggroe Aceh Darussalam Jakarta, International Labour Office, 2007 Also available in Bahasa Indonesia: “Direktori Panduan untuk Dunia Usaha di Nanggroe Aceh Darussalam” ISBN 978-92-2-019565-9 (print) 978-92-2-019566-6 (web pdf) The designations employed in ILO publications, which are in conformity with United Nations practice, and the presentation of material therein do not imply the expression of any opinion whatsoever on the part of the International Labour Office concerning the legal status of any country, area or territory or of its authorities, or concerning the delimitation of its frontiers. The responsibility for opinions expressed in signed articles, studies and other contributions rests solely with their authors, and publication does not constitute an endorsement by the International Labour Office of the opinions expressed in them. Reference to names of firms and commercial products and processes does not imply their endorsement by the International Labour Office, and any failure to mention a particular firm, commercial product or process is not a sign of disapproval. ILO publications can be obtained through major booksellers or ILO local offices in many countries, or direct from ILO Publications, International Labour Office, CH-1211 Geneva 22, Switzerland. Catalogues or lists of new publications are available free of charge from the above address, or by email: [email protected] Visit our website: www.ilo.org/publns Printed in Indonesia ACKNOWLEDGEMENTS Thank you to M. Rafiq, DPSA, MBA from CIS Council who collected information for this DAA and wrote the initial drafts. Thank you to the organizations, government agencies and all parties who have shared their information and contributed to this DAA. 1 CONTENT INTRODUCTION .................................................................................... 6 AN OVERVIEW OF INDONESIA ................................................................................... 6 PROFILE OF NANGGROE ACEH DARUSSALAM (NAD) ......................................................... 9 CHAPTER 1. BUSINESS REGISTRATION .................................................. 18 1.1. DEFINITION OF MICRO, SMALL AND MEDIUM ENTERPRISE .......................................... 18 1.2. PREPARATORY STEPS BEFORE OPENING A BUSINESS.................................................. 20 1.3. DEVELOPING A BUSINESS PLAN ......................................................................... 21 1.4. PREPARING AN ACTION PLAN ............................................................................ 21 1.5. REGISTERING A BUSINESS............................................................................... 21 CHAPTER 2. PERMISSION AND LICENSING.............................................. 23 2.1. DEPARTMENT OF INDUSTRY AND TRADE ............................................................... 23 2.2. SITU ...................................................................................................... 25 CHAPTER 3. TAX REGULATION .............................................................. 28 3.1. INDONESIAN TAXATION LAWS........................................................................... 28 3.2 WHO MUST PAY TAX?..................................................................................... 28 3.3 MONTHLY TAX REPORT................................................................................... 29 CHAPTER 4. EMPLOYMENT REGULATIONS ............................................... 31 4.1. REGULATION OF NANGGROE ACEH DARUSSALAM GOVERNOR, NO. 31 YEAR 2005 ABOUT MINIMUM WAGES IN NAD PROVINCE ................................................................... 31 4.2. MANPOWER LAW.......................................................................................... 33 4.3. JAMSOSTEK (SOCIAL SECURITY) ...................................................................... 33 CHAPTER 5. SOURCES OF FINANCE ....................................................... 37 5.1. MICROFINANCE ........................................................................................... 37 5.2. GOVERNMENT FINANCIAL SUPPORT PROGRAM........................................................ 38 5.3. LOCAL GOVERNMENT FINANCIAL INSTITUTIONS...................................................... 38 5.4. BAITUL QIRADH .......................................................................................... 39 5.5. PT PERMODALAN NASIONAL MANDIRI......................................................... 40 5.6. COMMERCIAL BANK ...................................................................................... 42 5.6A. BUKOPIN ....................................................................................... 42 5.6B. PT BANK MANDIRI (PERSERO) TBK........................................................ 44 5.7. FRANCHISING ............................................................................................. 44 CHAPTER 6. INSURANCE ...................................................................... 53 CHAPTER 7. CONSUMER PROTECTION .................................................... 55 YAYASAN LEMBAGA KONSUMEN INDONESIA (YLKI)........................................................ 55 CHAPTER 8. STATE SUPPORT TO MICRO, SMALL AND MEDIUM ENTERPRISE 56 MINISTRY OF COOPERATIVES AND SMALL-MEDIUM ENTERPRISES ........................................ 56 2 CHAPTER 9. INTERNATIONAL ORGANIZATIONS ....................................... 63 9.1. ILO - INTERNATIONAL LABOUR ORGANIZATION ...................................................... 63 9.2. GTZ ....................................................................................................... 63 9.3. IFC - INTERNATIONAL FINANCE CORPORATION (WORLD BANK GROUP) .......................... 64 9.4. PENSA .................................................................................................... 64 9.5. UNDP – UNITED NATIONS DEVELOPMENT PROGRAM ................................................ 65 CHAPTER 10. BUSINESS DEVELOPMENT SERVICES (BDS) ......................... 68 10.1. BDS ACEH KA BANGKIT ........................................................................... 68 10.2. BDS IVAN ENTERPRISE............................................................................ 69 10.3. BDS KLINIK KONSULTASI BISNIS FINANSIAL.............................................. 69 10.4. SWISSCONTACT..................................................................................... 70 CHAPTER 11. NON-GOVERNMENT STRUCTURES....................................... 74 11.1. APINDO (ASOSIASI PENGUSAHA INDONESIA) .................................................... 74 11.3. KADIN (KAMAR DAGANG DAN INDUSTRI) ......................................................... 74 11.3. IWAPI (IKATAN WANITA PENGUSAHA INDONESIA) ............................................... 76 CHAPTER 12. OTHER SERVICES............................................................. 84 12.1. TUNAS BANGSA FOUNDATION .................................................................. 84 12.2. POST .................................................................................................... 84 12.3. PERPAMSI - THE INDONESIAN ASSOCIATION OF DRINKING WATER ........................... 87 12.4. PT. TELKOM INDONESIA TBK..................................................................... 88 12.5. POLICE ................................................................................................. 89 12.6. DEPARTMENT OF CIVIL REGISTRY..................................................................... 90 12.7. PERTAMINA ........................................................................................... 92 CHAPTER 13. FOREIGN INVESTMENT AND EXPATRIATES .........................105 13.1. FOREIGN INVESTMENT ............................................................................... 105 13.2. REQUIREMENTS FOR EXPATRIATE WORK AND STAY PERMITS.................................... 107 13.3. TAX FOR EXPATRIATES ............................................................................... 109 13.4. INSURANCE FOR EXPATRIATES ...................................................................... 112 3 TABLES INTRODUCTION Regional House of Representatives ................................................................... 11 Description of districts in Nanggroe Aceh Darussalam .......................................... 12 Regional Income Per Kapita
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