PAY LESS TO SAVE PLANET: GREEN LOAN PARADOX DAN RESISTENSI UMKM TERHADAP PEMBIAYAAN BERKELANJUTAN BERSUBSIDI

Sudiyarti, Nining
Rachman, Rosyidah
Usman, Usman
Sutrisno, Eko

Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan
Vol. 5 No. 1 (2025)

This study explores the paradoxical phenomenon where Small and Medium Enterprises (SMEs) in Sumbawa Regency resist subsidized green loan schemes despite their economic advantages. Using qualitative methods including in-depth interviews with 25 SME owners, focus group discussions, and document analysis, this research identifies key factors driving resistance: perceived complexity of application procedures, distrust toward financial institutions, concerns about sustainability requirements as operational burdens, limited environmental awareness, and preference for informal financing networks. The findings reveal a critical gap between policy design and grassroots implementation, where rational economic incentives fail to overcome institutional, cultural, and informational barriers.