UMKM DALAM PERSPEKTIF PEMBIAYAAN INKLUSIF DI INDONESIA

Abstract

                                                                          MSMEs have an important role as the economic representation for the majority of Indonesian of people. However, nowadays the position of UMKM is relatively weak. One source of the problems that hamper the development of MSMEs is that lack of access to business financing, especially from the banks. In fact, banks provide more credit to middle and large business groups rather than to MSMEs. This study is expected to provide inputs for development authority/government. The method of analysis used in this study is descriptive-qualitative to explain the condition of MSMEs and their financing problems as well as the other problems. The result of the analysis will become a basis for recommendation for MSMEs development improvement. Although MSMEs is the majority of business actor in Indonesia, they have limited access to capital, especially credit from Banks, in which they only get about one-sixth of the national credit share. In fact, in 2013 MSMEs only obtain 3 percent of national credit share. The effort to develop financing scheme for MSME that met requirements of “financial inclusion” is necessary to accelerate quality development. The structure of GDP that are controlled by few parties poses a threat to the development objectives and to the State’s existence. Therefore, it is necessary to have priority on policy particularly on the improvement of access to financing and the expansion of MSMEs capacity.