PEMAHAMAN ATAS KAPASITAS USAHA MIKRO DAN USAHA KECIL SEBAGAI DASAR PEMBERIAN KREDIT PERBANKAN: STUDI KASUS ATAS PEDAGANG NASI GORENG DI KECAMATAN CIBEUNYING KIDUL KOTA BANDUNG

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PEMAHAMAN ATAS KAPASITAS USAHA MIKRO DAN USAHA KECIL SEBAGAI DASAR PEMBERIAN KREDIT PERBANKAN: STUDI KASUS ATAS PEDAGANG NASI GORENG DI KECAMATAN CIBEUNYING KIDUL KOTA BANDUNG

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Title: PEMAHAMAN ATAS KAPASITAS USAHA MIKRO DAN USAHA KECIL SEBAGAI DASAR PEMBERIAN KREDIT PERBANKAN: STUDI KASUS ATAS PEDAGANG NASI GORENG DI KECAMATAN CIBEUNYING KIDUL KOTA BANDUNG
Author: Sumarna Pradja, Sumarna Pradja
Abstract: Indonesian’s business actors are dominated by micro , small and medium scale enterprises (UMKM). In 2005 UMKM business in Indonesia are around 44.69 million units or about 99.9% of all business units in Indonesia. Unfortunately UMKM still get little portion of bank loan. It’s count only 17% in 2004 compare to 83% that goes to corporation. There are many factors that account for such a condition. Research division of Bank Jabar Banten have identified general constraint which lessen UMKM access for banking loan that fall into two categories: 1. Asymmetric information . In such a case, bank have no sufficient information about business prospect as well as risk of UMKM. Bank also have no sufficient information about debitor’s character. 2. Moral hazard . There is possibility that debitors abuse his/her loan that he/she receive from bank for other purpose than to run business. This kind of moral hazard do increase default risk. Fried rice business is one of many micro scale businesses that has little access to banking loan. One factor that may be account for such cases is the misunderstanding of the bank review to the business capacity of fried rice business. Therefore I have decided to conduct research in the District/Kecamatan Cibeunying Kidul involving 82 fried rice business as samples to understand business capacity as well as business profile of fried rice business. Research finding reveals that from business capacity or financial standpoint, fried rice business is feasible to have a credit from bank. But if we are go any further and looking for eligibility from administrative standpoint (such as do they have Bandung’s identity card (KTP) ; do they have book keeping etc), most of them do not meet the requirements.
URI: http://repository.widyatama.ac.id/xmlui/handle/123456789/3919
Date: 2012-03-27


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