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All Journal Bureaucracy Journal : Indonesia Journal of Law and Social-Political Governance
Alhadi, Izaz
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Law, Crime, Criminology & Criminal Justice

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PEMBIAYAAN USAHA KECIL DI INDONESIA Putri, Risa Haruman; Fauzi, Renie Rahayu; Atmawisastra, R. A. Ginara Utami; Muharam, Sahrial; Redra, Imay Dyna; Alhadi, Izaz
Bureaucracy Journal : Indonesia Journal of Law and Social-Political Governance Vol. 5 No. 1 (2025): Bureaucracy Journal : Indonesia Journal of Law and Social-Political Governance
Publisher : Gapenas Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53363/bureau.v5i1.556

Abstract

Small business financing in Indonesia faces various challenges, such as limited access to finance, low financial literacy, and lack of guarantees. Although small businesses contribute significantly to the economy, many SMEs have difficulty obtaining appropriate financing. Various financing alternatives, such as fintech, microcredit, and government programs, are beginning to develop to overcome these obstacles. However, education is still needed related to financial management and increasing access to financing so that SMEs can grow sustainably. This article discusses the current state of small business financing and provides recommendations to improve the effectiveness of the SME financing system in Indonesia.
Co-Authors Atmawisastra, R. A. Ginara Utami Fauzi, Renie Rahayu Muharam, Sahrial Putri, Risa Haruman Redra, Imay Dyna