several UMKM

UNIVERSITAS BINA DARMA, UNIVERSITAS BINA DARMA (2022) several UMKM. several UMKM.

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Abstract

There are several UMKM problems in accessing bank credit to include: (i) UMKM generally do not have a clear accounting banking, making it hard to find information about these efforts complete, (ii) the number of UMKM are still not listed as an official entity, (iii ) lack of human resources who manage UMKM, (iv) access to factor the resulting product marketing. Besides the problem of the inability of UMKM to provide adequate security and can generally be accounted for, a major obstacle that had been experienced by UMKM. Other problems complained of UMKM in the face of banking as recorded in various events Temu Talk between UMKM, banks and governments, among others: (i) collateral requirements in the credit application, (ii) the scarcity of sources of cheap funds banks, (iii) the difficult credit conditions fulfilled, (iv) high mortgage interest rates, (v) technical assistance / consultancy for UMKM and, (vi) the limited information of business development. Was implemented for data collection and database creation OKU dikabupaten UMKM in cooperation with Bank Indonesia, Bank Indonesia sebaga that the central bank will have a database that will facilitate UMKM for economic actors to access and use the data available on this website. The data will be used as accurate information regarding the existence of entrepreneurs in the district OKU, and indirectly will be used as initial consideration for the user to see the feasibility of this effort. By knowing the existence and feasibility of these efforts will result in the emergence of the interaction between banking and economic actors directly through bank credit with the right target. This will also affect the development of economic activities. Keywords: Banking, UMKM, credit distribution, collection of UMKM

Item Type:	Article
Subjects:	H Social Sciences > H Social Sciences (General)
Divisions:	Faculty of Engineering, Science and Mathematics > School of Civil Engineering and the Environment
Depositing User:	Mr Edi Surya Negara
Date Deposited:	30 Jun 2022 01:30
Last Modified:	30 Jun 2022 01:30
URI:	http://eprints.binadarma.ac.id/id/eprint/16734

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