Perpektif Perbankan Tentang Keputusan Pendanaan Modal Kerja Bagi UMKM
AbstrakMicro, Small and Medium Enterprises (MSMEs) work as engines of economic growth. Promotion of MSMEs, especially in developing countries such as Indonesia, includes those that absorb a relatively high workforce, dependence on indigenous skills and technology, contribute to the development of entrepreneurship and innovation and the growth of industrial relations. This research attempts to summarize the banking perspective in providing credit to MSMEs. The purpose of this study is to find out the reasons banks are reluctant to provide loans to MSME banks. Take bank credit analysts in Bandar Lampung as a sample to answer the research questionnaire. The Z test is used to test hypotheses with a statistical significance level of 0.05. The test in this study was processed using a computerized Statistical Package for Social Science (SPSS) program. Data collected as many as 60 respondents through a questionnaire prepared by using a non-probability sampling / purposive sampling method. The research findings show that the terms and conditions of loans stipulated by banks are not easy to fulfill by MSMEs, so banks are reluctant to provide loans to MSMEs Keywords: MSMEs, Credit Analysts, Customers, Banks
Akterujjaman, S.M. 2010. Problems and Prospects of SMEs Loan Management: A Studi on
Mercantile Bank Limited, Khulna Branch. Journal of Business and Technology. Vol-V, Issue â€“
, July-December, 2010. Dhaka, Bangladesh
Alam, M. S. and M. A.Ullah. 2006. SMEs in Bangladesh and Their Financing: An Analysis and Some
Recommendations. Jurnal The Cost and Management, 34(3):57-72.
Bank Indonesia. 2017. Perkembangan Kredit UMKM dan MKM, April 2014. Diakses dari
www.bi.go.id pada 14 Februari 2018.
Islam, M. N.; Arefin, K. and Hossain, M.M. (2005). SmallBusiness Financing: Problems Analysis and
Overcome Strategies. Journal of Business Research. Vol. 7, June, pp. 91-102.
Rouf, Abdul and Ariful Islam. 2015. An Opini Survey of SME Banking Systems: Problems and
Prospects in Bangladesh. American Journal of Economics, Finance and Management. Vol 1,
No.3, 2015, pp 223-228
Sekarang. 2006. Metodologi Penelitian untuk Bisnis, Edisi 4, Buku 2. Penerbit Salemba. Jakarta.
Undang-undang No. 20 Tahun 2008, tentang Usaha Kecil, Mikro, Menengah.