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All Journal Humaniora Buletin Peternakan Jurnal Studi Pemerintahan Jurnal Kawistara : Jurnal Ilmiah Sosial dan Humaniora Gadjah Mada International Journal of Business Jurnal Populasi Jurnal Ilmu Sosial dan Ilmu Politik Jurnal Kebijakan Perikanan Indonesia Journal of Social and Policy Issues Jurnal Kawistara
Muhadjir Darwin
Universitas Gadjah Mada
Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Veterinary Other

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DIPERLUKAN PENDEKATAN KEBIJAKAN ADAPTIF UNTUK PENGUATAN MODAL UMKM DI KABUPATEN SLEMAN Suci Iriani Sinuraya; Muhadjir Darwin; Yeremias T Keban; Sukamdi Sukamdi
Jurnal Kawistara Vol 8, No 2 (2018)
Publisher : Universitas Gadjah Mada

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22146/kawistara.33344

Abstract

This paper examines implementation of micro credit policies of non-bankable Small Medium Enterpries (SME’s) in Sleman Regency in 1999-2000. It explores the impact of dynamic policy changing on rates, collateral, and legal aspects as the requirements to access micro credit program. This study employed a qualitative case study, to describe backgrounds, effectiveness, and policy impacts. The data collecting methods included interviews, obeservations, and focus group discussion (FGD). The participants have been set up. Two category of respondent: decision makers and street-level bureaucrats and (candidate) beneficiary program. The research was conducted in October 2016–December 2017. The results show that policy changing on rate, collateral and legality created impacts on the SME’s interest in accessing the credit. The participants of non-bankable SMEs showed that their interest decreased when there were further requirement to attach credit collateral and legal aspects. Therefore, the bankable SMEs become the groups which leverage the micro credit program. On the contrary, the program did not work effectively to entrepreneurs, the non bankable SMEs as the prime targetted group in Sleman. Meanwhile, the appearence of cooperative as an executing body, to which the nonbankable SMSEs,looking for capital. So, the capital from UPT PDPM should through two steps to to reach the non bankable SMEs. The Recommendation is Sleman Regency using adaptive policy to show their affirmation to non bankable SME’s facing the dynamic situation nowadays.
Co-Authors Ali Agus Ambar Pertiwiningrum Anita Syafitri Arifah Rahmawati Dewi H Susilastuti Dewi Haryani Susilastuti Dian Eka Rahmawati, Dian Eka Indra Bastian Jenri Panjaitan Mohtar Mas'oed Muhammad Halwan MUNAWAR AHMAD Nanang Indra Kurniawan R. Rijanta Setiadi Setiadi Suci Iriani Sinuraya Sukamdi Sumini Sumini Supriadi Supriadi Triyastuti Setianingrum Umi Listyaningsih Yam’ah Tsalatsa Abritaningrum Yeremias T Keban