INOVASI KEBIJAKAN INTERMEDIASI LKMS TERHADAP UMKM DENGAN PENDEKATAN PRINSIP PEMBIAYAAN

  • Darwanto Darwanto Fakultas Ekonomika dan Bisnis Universitas Diponegoro
  • Purbayu BS Fakultas Ekonomika dan Bisnis Universitas Diponegoro
  • Nenik Woyanti Fakultas Ekonomika dan Bisnis Universitas Diponegoro
  • Mochammad Ardani Fakultas Ekonomika dan Bisnis Universitas Diponegoro
  • Diah Meani RMD Fakultas Ekonomika dan Bisnis Universitas Diponegoro
Keywords: LKMS, MSMEs, intermediation, policies, 5C principles.

Abstract

MSMEs are a very important sector in the country's economic development. The composition of MSMEs in Indonesia reaches 99% of the total types of businesses. The contribution of MSMEs to Gross Domestic Product covers up to 57.80%. The potential for developing MSMEs shows a positive trend and can be a strength in building the economy if it can be managed properly. Unfortunately, several problems arise in the sustainability of MSME operations. BMT as a Sharia Microfinance Institution exists to empower MSMEs through financing schemes and financial intermediation. In the intermediation process, there are obstacles that need to be corrected in the form of innovative policies. This study aims to formulate policies in the intermediation of LKMS against MSMEs through the financing principles approach. The variables used are the elaboration of the 5C financing principles: character, capacity, capital, condition, and collateral. The method used in data analysis is Ordinary Least Square (OLS). The results showed that the variable loyalty and nominal financing provided had a significant positive effect on MSME turnover. Meanwhile, the variables of age and frequency of financing had no significant effect. BMT needs to conduct training and coaching in the assessment stage of prospective members before providing financing so that problems do not occur in the MSME business.

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Published
2020-11-26