PERANAN KREDIT PERBANKAN DALAM PENGEMBANGAN UMKM LOGAM

Diah Setyorini Gunawan, Abdul Aziz Ahmad, Ratna Setyawati Gunawan, Oke Setiarso

Abstract


Abstrak

UMKM merupakan sektor yang mampu memperluas lapangan kerja dan meningkatkan pertumbuhan ekonomi tetapi masih menghadapi kendala dalam mengakses kredit perbankan. Penelitian ini bertujuan menganalisis perbedaan kinerja pengrajin logam yang menerima kredit perbankan, sebelum dan sesudah menerima kredit perbankan. Kinerja pengrajin logam dilihat dari tingkat pendapatan bersih. Metode penelitian yang digunakan dalam penelitian ini adalah metode penelitian kuantitatif. Penelitian ini menggunakan data primer. Data primer diperoleh dari hasil wawancara langsung dengan 16 pengrajin logam di Desa Pasir Wetan Kecamatan Karanglewas Kabupaten Banyumas yang mendapatkan kredit perbankan. Metode analisis yang digunakan dalam penelitian ini adalah analisis uji perbedaan. Dalam penelitian ini digunakan  Uji Wilcoxon. Hasil penelitian menunjukkan bahwa terdapat perbedaan kinerja yang signifikan antara sebelum dan sesudah menerima kredit perbankan. Keberadaan kredit perbankan memberikan manfaat bagi pengembangan UMKM logam di Desa Pasir Wetan Kecamatan Karanglewas Kabupaten Banyumas, dimana kinerja pengrajin logam mengalami peningkatan. Kredit perbankan diperlukan oleh pengrajin logam di Desa Pasir Wetan untuk mengatasi masalah keterbatasan modal yang dimiliki dalam upaya pengembangan usaha pengolahan logam. Langkah-langkah yang dapat dilakukan oleh pemerintah terkait upaya meningkatkan akses UMKM terhadap modal adalah dengan memberikan insentif-insentif dan mendesain ulang berbagai program kredit yang telah ada.

Kata kunci: UMKM; Kinerja; Kredit Bank; Strategi Pengembangan UMKM

 

Abstract

MSME is a sector that is able to expand employment opprtunities and increase economic growth but still faces obstacles in accessing bank credit. This research aimed to analyze the performance difference of metal craftsmen receiving bank credit, before and after receiving bank credit. The performance of metal craftsmen can be seen from net income level. The research method used in this study was a quantitative research method. This research used primary data. Primary data was obtained from direct interview with     16 metal craftsmen who receive bank credit in Pasir Wetan Village Karanglewas Sub-District Banyumas Regency who receive bank credit. The analysis method used in this research was statistical differences testing. In this study, the Wilcoxon Test was used. The result indicated that there was a significant difference before and after receiving bank credit. The existence of bank credit provided benefits for the development of MSME metal in Pasir Wetan Village, Karanglewas Sub-District, Banyumas Regency, in which the performance of metal craftsmen has increased. Bank credit was required by metal craftsmen in Pasir Wetan Village to overcome the problem of limited capital in developing the metal processing business. The measures that can be taken by the government related to efforts to improve MSME access to capital are to provide incentives and redesign existing credit programs.

Keywords: MSMEs; Performance; Bank Credit; MSMEs Development Strategy


Keywords


MSMEs; Performance; Bank credit; MSMEs Development Strategy

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DOI: https://doi.org/10.25134/equi.v19i02.5870

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