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Mashudi .
UIN Sayyid Ali Rahmatullah Tulungagung
Economics, Econometrics & Finance

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Analysis factors Reason The low Micro , Small and Medium Enterprises Loans at Bank Financial Institutions in Indonesia Yuni Rinawati; Galih Fahmi Fadhillah; Mashudi .
Journal of Sharia Economics Vol 5 No 1 (2023): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Al Hikmah Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v5i1.536

Abstract

Permasalahan utama yang dihadapi oleh UMKM di Indonesia adalah terkait permodalan. Di mana, berdasarkan data akses kredit UMKM di Lembaga keuangan bank masih rendah. Sehingga tujuan dari penelitian ini ialah melihat bagaimana dukungan pemerintah terhadap permodalan UMKM serta faktor-faktor penyebab rendahnya kredit UMKM pada Lembaga Keuangan Bank Indonesia. Jenis penelitian ini berupa kepustakaan (library research). Hasil penelitian menunjukkan bahwa pada dasarnya terdapat beberapa peraturan yang dibuat pemerintah untuk mendukung berkembangnya UMKM yang dihadapkan dengan permaslahan modal di antaranya yaitu Undang-Undang No.20 Tahun 2008, peraturan Bank Indonesia No.14/26/PBI/2012 terkait Kegiatan Usaha dan Jaringan Kantor Berdasarkan Modal dan Inti Bank, Peraturan Bank Indoneisa No.17/12/PBI/2015 di mana bank wajib memberikan kredit atau pembiayaan kepada UMKM tentang Perubahan Atas Peraturan Bank Indonesia No.14/22/PBI/2015 Tentang Pemberian Kredit atau pembiayaan oleh Bank Umum dan Bantuan Teknis Dalam Rangka Pengembangan UMKM. Sedangkan faktor-faktor yang menjadi penyebab rendah kredit UMKM di Lembaga keungan bank dari sisi perbankan dan dari sisi UMKM. Dari sisi bank yaitu bank lebih senang menyalurkan dana besar kepada pengusaha yang bankable daripada melanyalurkan kepada para ribuan para pelaku UMKM yang unbankable. Sedangkan dari sisi UMKM terdiri dari tidak adanya pembukuan laporan keuangan yang dihasilkan oleh UMKM sebagai syarat kredit di perbankan, tidak mampu menyediakan angunan, prosedur maupun dikumen administratif sukit dan berbelit -belit, suku bunga dinilai tinggi.
Application Segmentation , Targeting and Positioning in the UMKM Marketing Strategy in Indonesia Galih Fahmi Fadhillah; Hoirul Anam; Mashudi .
Journal of Sharia Economics Vol 5 No 1 (2023): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Al Hikmah Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v5i1.555

Abstract

The increasing number of Micro, Small and Medium Enterprises (UMKM) in Indonesia has prompted attention to effective marketing strategies to help UMKM achieve success in the increasingly fierce business competition. Segmentation, targeting and positioning (STP) are important concepts in a marketing strategy that can help UMKM identify and reach target markets more effectively. This study aims to analyze the application of STP in the marketing strategy of UMKM in Indonesia. The research method used is descriptive analysis by collecting data through literature studies and interviews with MSME owners and experienced marketing practitioners. The results of the study show that through segmentation, UMKM can provide products or services that are more relevant and better meet the needs of the target market. Targeting helps UMKM to optimize the use of their resources by focusing on segments that have the potential to generate higher sales and profits. Then positioning helps UMKM differentiate themselves and build a strong image, thus creating a competitive advantage in an increasingly fierce market competition. However, there are still several challenges faced by UMKM in implementing STP effectively, including limited resources, limited understanding of the concept, and the need to continuously monitor and adapt their marketing strategies according to market changes.
Co-Authors Galih Fahmi Fadhillah Hoirul Anam Yuni Rinawati