Analysis of the Performance of SMEs Credit Program in the Stakeholders' Perspectives

Authors

  • Mohamad Nasir Pusat Pengelolaan Risiko Fiskal, Badan Kebijaksanaan Fiskal, Kementerian Keuangan

DOI:

https://doi.org/10.31685/kek.v17i1.36

Keywords:

bankable, credit, feasible, guarantee, interest, profit

Abstract

SMEs have siginifcant role for Indonesian economic, such as employing many labors and significant contribution to GDP. To support them more productive, Government launched a KUR in 2007, a credit program for SMEs that is feasible but not bankable, and has credit guarantee facility. Government has cooporated with some Banks for credit and with PT Askrindo and Perum Jamkrindo for credit guarantee. Since 2007, KUR has been run over 5 years. The question is how the performance of KUR viewed by Government, Banks, and Credit Guarantee Enterprises perspectives. Bu using descriptive analysis methode, the research shows that for Government perspective, KUR has distributed credit around Rp.97.6 triliun for around 7.6 million debitors during 2007-2013. For perspective of Banks, KUR has given profit because its interest rate (13% for retail and 22% for mikro] above basic lending rate of banks. Credit guarantee facility also has supported banks to penetrate new market or new debiturs. For credit guarantee enterprises, KUR has been able to increase their income.

References

Bank Indonesia. Kredit. Diakses 28 Maret 2013. http://www.hi.go.id/NR/rdonlyres/00A32509-E25E- 4E28-A294-99EEC0B12554/15876/KreditSIPMKl.pdf.. ............................... 2013. SBDK periode Oktober 2011 s.d. Maret 2013. Diakses 24 Mei 2013. http://www.bi.go.id/web/id/Perbankan/Suku+Bunga+Dasar+Kredit. Kementerian Koperasi dan Kecil dan Menengah. (2013). Perkembangan Data Usaha Mikro, Kecil, Menengah (Umkm) Dan Usaha Besar (UB) Tahun 2011 - 2012. Diakses 29 Mei 2013. http;//www.depkQ-p,gO-.id/index.php?option=com phocadownload&view=fiIe&id=335;data- usaha-mikro-kecil-menengahz.umkm-dan-usaha-besar-ub-tahun-2011-2012&Itemid=93. Kemenko Perekonomian. (2013). Sebaran Penyaluran Kredit Usaha Rakyat Periode November 2007- Desember 2012. Diakses 12 Maret 2013. http://komite-kur.com/article-71-sebaran-penyaluran- kredit-usaha-rakyat-periode-november-2007-desember-2012.asp. ................................................... 2012. Standar Operasional dan Prosedur Pelaksanaan KUR. Lembaga Pemberdayaan Ekonomi Kerakyatan. [2012]. Kelemahan dan Hambatan Koperasi dan UKM. Diakses 29 Mei 2013. http://lembagalentera.wordpress.eom/2012/12/l 1 /kelemahan-dan- hambatan-koperasi-dan-ukm-2/. Menteri Keuangan. (2011). PMK No. Nomor 99/Pmk. 010/2011 tentang Perubahan Atas Peraturan Menteri Keuangan Nomor 222/Pmk. 010/2008 Tentang Perusahaan Penjaminan Kredit Dan Perusahaan Penjaminan Ulang Kredit. Musrikin W. (2012). Pengertian Kredit. Diakses 8 April 2013. http://alukmalay.blogspot.com/2012/04/pengertian-kredit.html. Navajaz A.R. (2001). Credit Guarantee Schemes: Conceptual Frame. Diakses 17 Maret 2013. http://www2.gtz.de/dokumente/bib/03-0076.pdf. Perum Jamkrindo. (2013). Rencana Bisnis Penambahan Modal Negara Untuk Program KUR 2014. ................................. Laporan Keuangan Tahun 2007 s.d 2012. PT Askrindo. (2013). Rencana Bisnis Penambahan Modal Negara Untuk Program KUR 2014. ............................... Laporan Keuangan Tahun Buku 2007 s.d. 2012 Republik Indonesia. (1998). UU No. 10 Tahun 1998 Tentang Perubahan Atas Undang-Undang Nomor 7 Tahun 1992 Tentang Perbankan. Sanusi A. (2011). Analisa Karakter Sebagai Salah Satu Alat Manajemen Dalam Pengambilan Keputusan Pemberian Kredit. Diakses 24 Maret 2013. http://sanoesi.wordpress.com/2011/09/30/analisa- karakter-sebagai-salah-satu-alat-manaiemen-dalam-pengambilan-keputusan-pemberian-kredit/.

Downloads

Published

2015-11-09

Issue

Section

Articles