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Penelusuran “Aturan Main” pembiayaan mikro kecil menengah dalam konteks persaingan antar lembaga

Jurnal Keuangan dan Perbankan, Volume 14, Nomor 2, Mei 2010
Journal from JIPTUNMERPP / 2011-12-29 01:55:05
Oleh : Tyas Danarti ; Asfi Manzilati ; Nurul Badriyah, Diploma 3 of Finance and Banking Merdeka University Malang (jurkubank@yahoo.com)
Dibuat : 2010-05-01, dengan 0 file

Keyword : Financial institutions, financing rules, competition, credit

The purpose of this study was how the regulations concerning the financing institutions (rules or “rules of play” and supervision), how the reality of system or mechanism for each financial institution referred to in channeling financing to small and medium segment, and on turn, how the impact of these two issues of competition among the existing financing institutions. With in-depth observation and interviews, we found that formally Bank of Indonesia only act as mediators between the SMEs and business actors such financial institutions through training, meeting facilitation for coordination and delivery of information, implications of the operational rules of the microfinance institutions can be divided into four important issues, those are the target market, the mechanism of realization of loans; settlement mechanism of risk, and strategies to face competition; and the absence of service delivery and creasing competition of financial institutions, in turn, a uniform service delivery and increasing competition tightened and increased the risk to the financial institutions themselves and for society.

Deskripsi Alternatif :

The purpose of this study was how the regulations concerning the financing institutions (rules or “rules of play” and supervision), how the reality of system or mechanism for each financial institution referred to in channeling financing to small and medium segment, and on turn, how the impact of these two issues of competition among the existing financing institutions. With in-depth observation and interviews, we found that formally Bank of Indonesia only act as mediators between the SMEs and business actors such financial institutions through training, meeting facilitation for coordination and delivery of information, implications of the operational rules of the microfinance institutions can be divided into four important issues, those are the target market, the mechanism of realization of loans; settlement mechanism of risk, and strategies to face competition; and the absence of service delivery and creasing competition of financial institutions, in turn, a uniform service delivery and increasing competition tightened and increased the risk to the financial institutions themselves and for society.

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PropertiNilai Properti
ID PublisherJIPTUNMERPP
OrganisasiDiploma 3 of Finance and Banking Merdeka University Malang
Nama KontakDra. Wiwik Supriyanti, SS
AlamatJl. Terusan Halimun 11 B
KotaMalang
DaerahJawa Timur
NegaraIndonesia
Telepon0341-563504
Fax0341-563504
E-mail Administratorperpus@unmer.ac.id
E-mail CKOwsupriyanti@yahoo.com

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  • Editor: Wiwik Supriyanti, Dra. SS.