PENGELOLAAN PEMBIAYAAN KEUANGAN DAN PEMBERIAN KREDIT DALAM PERKEMBANGAN USAHA MIKRO KECIL DAN MENENGAH DI INDONESIA

Ratiyah Ratiyah

Abstract


UKM currently a priority in the planning stages of development under the supervision of the Ministry of Industry and Trade, and the Ministry of Cooperatives and UKM considering most people more perperan in UKM compared to large businesses. Status of UKM is currently well placed to lift the economy of the people, especially in the era of the MEA, the independence of UKM expected to be achieved in the future so that the development of the people's economy is expected to increase people's income, employment opportunities, and prosperity of the society as a whole. Development of Micro, Small and Medium Enterprises (UMKM) are usually accompanied with capital requirements. In these conditions usually UKM can’t develop its business further, due to lack of funds. Hence the importance of capital lending institutions to play a role, as well as put through mentoring. Facilitate access to capital sources will solve the problem of the company's capital needs. The data used are secondary data from Bank Indonesia, BPS and the Ministry of Cooperatives and UKM in the form of monthly data for 2 years ie 2011 and 2012 (time series). Once the data is collected, the data were analyzed using multiple regression method with SPSS version 18.00. Simultaneously we can conclude cost factors such as inflation and interest rates negatively affect asset growth of UKM, while crediting positive effect of increasing the assets of UKM. While in general, these studies have significant influence 0:01, because Fsig value is 0.000, less than the real level.

 

Keywords: Financing Finance, Credit, and Micro Small And Medium Enterprises


Full Text:

PDF

References


Badan Pusat Statistik. 2016. Usaha Mikro, Kecil dan Menengah. Diambil dari: https://www.bps.go.id/Subjek/view/id/170

Bank Indonesia. 2003. Pemberdayaan Konsultan Keuangan / Pendamping UMKM Mitra Bank. Jakarta.

Dumairy. 2013. Matematika Terapan Untuk Bisnis Dan Ekonomi. Edisi ke dua. Yogyakarta. BPFE.

Fahmi, Irham. Dan Larasati Hadi, Yovi. 2010. Pengantar Manajemen Perkreditan. Bandung. Alfabeta.

Ikatan Akuntan Indonesia. 2009. Standar Akuntansi Keuangan. Jakarta. Salemba Empat.

Instruksi Presiden No.163 tahun 2000 tentang Usaha Mikro Kecil dan Menengah

Ismail. 2010. Manajemen Perbankan Dari Teori Menuju Aplikasi. Jakarta. Kencana Prenada Media Group

Kasmir. 2011. Analisis Laporan Keuangan: Jakarta. PT. Raja Grafindo Persada.

Peraturan Presiden No. 98 Tahun 2014. Perizinan Untuk Usaha Mikro dan Kecil. Diambil dari : www.hukumonline.com/pusatdata/downloadfile/lt54227cfce4168/

Rivai, Veithzal dan Andria Permata Veithzal. 2013. Credit Management Handbook. Jakarta: PT. Raja Grafindo Persada.

Sutojo, Siswanto. 2008. Menangani Kredit Bermasalah Konsep dan Kasus. Jakarta: PT Damar Mulia Pustaka.

Undang-undang No.20 tahun 2008.UMKM.Diambil dari: www.bi.go.id/id/tentangbi/uubi/Documents/UU20Tahun2008UMKM.pdf

Sugiyono. (2012). Memahami Penelitian Kualitatif”. Bandung : ALFABETA.




DOI: https://doi.org/10.31294/moneter.v3i1.1043

DIPUBLIKASIKAN OLEH LPPM UNIVERSITAS BINA SARANA INFORMATIKA
JL. DEWI SARTIKA NO. 289, CAWANG, JAKARTA TIMUR TELP : 021-8010836, EXT. 202
Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License