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All Journal International Journal of Business, Technology, and Organizational Behavior (IJBTOB) International Journal of Magistravitae Management
Febriyani, Lintri
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Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Industrial & Manufacturing Engineering Library & Information Science Social Sciences

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Credit Analysis at the Regional Office of the Director General of State Treasury for Bangka Belitung Province Febriyani, Lintri; Nugroho, Ari Agung; Leksono, Binar Kukuh
International Journal of Business, Technology and Organizational Behavior (IJBTOB) Vol. 3 No. 6 (2023): December | International Journal of Business, Technology and Organizational Beh
Publisher : Garuda Prestasi Nusantara Consulting

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52218/ijbtob.v3i6.298

Abstract

The MSME sector (Micro, Small and Medium Enterprises) is one of the backbones of the Indonesian economy. But its existence is still experiencing various obstacles. The government is present to provide support for the MSME program through the allocation of the APBN (State Revenue and Expenditure Budget) and APBD (Regional Revenue and Expenditure Budget). In the 2022 State Budget, the Province of Kep. Bangka Belitung received an allocation of IDR 13.47 billion for the Economic Recovery cluster. Meanwhile, the APBD allocation is IDR 8.19 billion, divided into two programs, namely MSME Empowerment and MSME Development worth IDR 6.5 billion and IDR 1.69 billion. The results of the 2022 credit analysis at the Regional Office of the Director General of Treasury of the Bangka Belitung Province in order to increase MSME empowerment found that the characteristics of MSMEs in the Kep Province area. Bangka Belitung is dominated by micro-scale businesses, reaching 97.96 percent or 186,101 business actors. Bangka Belitung MSMEs have not fully optimized financing facilities. The achievement of MSME financing is lower than non-MSMEs financing. MSME actors in 2022 will only access financing with a total credit of IDR 6 trillion from the total credit ceiling of commercial banks of IDR 14.3 trillion. Even the proportion of KUR/UMi debtors to Bangka Belitung MSMEs is only 21.68 percent.
Ultra Micro Financing (UMi) and Trade Labor: Impacts on GRDP in the Large Trade and Retail Business Field of Bangka Belitung Islands Province (2017-2022) Febriyani, Lintri; Nugroho, Ari Agung; Leksono, Binar Kukuh; Maheswara, Perpetua Westri; Saputra, Hermawan
International Journal of Magistravitae Management Vol. 1 No. 1 (2023): International Journal of Magistravitae Management (IJOMM)
Publisher : Master of Management Department, Faculty of Economics and Business, Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/ijomm.v1i1.5

Abstract

Ultra Micro Financing (UMi) aims to provide fast and accessible financing for ultra-micro businesses, fostering government-financed entrepreneurs. UMi Financing’s dominance can influence labor absorption and Gross Regional Domestic Product (GRDP) in the Large Trade and Retail Business Field. This research analyzes the impact of UMi Financing and Trade Labor Absorption on Trade GRDP in Bangka Belitung Islands Province during 2017-2022. Path analysis measures the direct and indirect effects of UMi Financing on Trade GRDP. The findings reveal that UMi financing affects trade and GRDP in Bangka Belitung Islands Province. However, UMi Financing does not directly influence Trade GRDP when mediated by labor. Moreover, UMi Financing and Trade Labor do not significantly impact the GDP of Large Trade and Retail. Limited labor absorption in the trade sector may be attributed to the relatively small capital or financing provided by UMi. Additionally, the absorption of labor in the trade sector does not significantly affect Trade GRDP in the province, as the gross value added in the Large Trade and Retail sectors is influenced by people’s purchasing power, which is still highly dependent on commodity price fluctuations. To bolster GDP growth in the large trade and retail sectors, the government can encourage the distribution of UMi Financing. UMi Financing Distributors should intensify assistance to scale up debtor’s businesses. Diversifying UMi distribution to sectors beyond wholesale and retail trade can also be explored.
Analysis of SMEs Empowerment in Bangka Belitung Islands Province in 2023 Febriyani, Lintri; Leksono, Binar Kukuh; Zulfikar, Ahmad; Putra, Juang
International Journal of Magistravitae Management Vol. 1 No. 1 (2023): International Journal of Magistravitae Management (IJOMM)
Publisher : Master of Management Department, Faculty of Economics and Business, Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/ijomm.v1i1.6

Abstract

The Small and Medium-sized Enterprises (SMEs) sector is one of the backbones of the Indonesian economy, but it still faces various obstacles. The government aims to support SMEs through allocated funds. In the 2022 State Budget, Bangka Belitung Islands Province received an allocation of IDR 13.47 billion for the Economic Recovery cluster. Additionally, the Local Budget allocation of IDR 8.19 billion was divided into two programs: SMEs Empowerment (IDR 6.5 billion) and SMEs Development (IDR 1.69 billion). Among the SMEs, the largest sectors are Agriculture, Forestry, and Fisheries. However, SMEs in Bangka Belitung Islands Province have not fully optimized financing facilities, with only IDR 6 trillion accessed from the total credit ceiling of IDR 14.3 trillion offered by commercial banks. The proportion of People’s Business Credit/Ultra Micro Debtors to Bangka Belitung Islands Province SMEs is only 21.68 percent. Focused Group Discussions (FGDs) and surveys were conducted involving 42 SME actors to research the situation in Bangka Belitung Islands Province. The survey results highlighted that the availability of capital and limited access to marketing are the most significant obstacles for SMEs in the area. Furthermore, other challenges include inadequate technology/machinery, qualified human resources, training opportunities from relevant parties, and difficulties in obtaining raw materials. The survey also revealed that SME actors expect training in technical guidance and offline course classes, moving away from mere socialization methods.
Co-Authors Ahmad Zulfikar Ari Agung Nugroho, Ari Agung Hermawan Saputra Leksono, Binar Kukuh Maheswara, Perpetua Westri Putra, Juang