To move the productive economic sector in particular through the Micro, Small & Medium Enterprises (SME) , Bank Jatim launched SiUMI Program (Siklus Mikro Kecil) . This program bundling of SiUMI Savings and SiUMI loan. SiUMI Program intended for Small Micro Subject (Pelaku Usaha Mikro Kecil/PUMK) which had a Small Micro Business License (Izin Usaha Mikro Kecil) issued by the local government. PUMK can use SiUMI Savings equipped with SiUMI ATM Card. Furthermore, with SiUMI ATM Card, PUMK can access banking services such as SiUMI loan and other banking services.