STRATEGY OF DISTRIBUTION CREDIT TO SMALL AND MEDIUM ENTERPRISES THROUGH PARTNERSHIP PROGRAM AND COMMUNITY DEVELOPMENT PT. PERTAMINA (PERSERO) III MARKETING BRANCH BANDUNG
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The problems are often a barrier to ketch and medium enterprises, cooperatives and other informal sector is difficult to implement self-development that impact business in obtaining access to aid or credit from the banks. The aim of research to identify obstacles and solutions to overcome the problem in the analysis of lending to small and medium enterprises through partnerships and community development programs, strategy to develop small and medium enterprises through increased ease of administration and distribution of business capital credit facility through institutions related loan portfolio, analyze the solution in solving the problems faced by the small and middle business actors in Bandung, both from businesses themselves and from the policy of the State Agency Partnership Program and Community Development. Determining the right strategy, it can set the direction of development that specifically focuses on providing capital, by using the method of implementation of the program of partnership development small and medium enterprises so as to realize the development of small and medium enterprises in creating new ventures that professional and even-tempered entrepreneurial reliable. Development referred done by creating a conducive business climate, encouraging an entrepreneurial spirit for the community, facilitate the establishment of small and medium enterprises similar, encourage creating jobs, facilitating capital support, and promote labor-intensive creative effort oriented export quality.