Dampak Jaminan terhadap Peluang Memperoleh Kredit bagi UMKM di Sumatera Barat

Abstract

Collateral Effect to Bank Loan Probability for Microenterprises in West SumateraThis paper reveals that West Sumatera banking sector are more likely using the availability of collateral for the credit to micro, small and medium enterprises (MSME). Using 384 sample size from MSME in West Sumatera, if a MSME have enough collateral, the probability of their credit application to be rejected by banks will fall from 59.9% to 11.7% comparing to they don’t have enough collateral. This finding proved a credit guarantee scheme is needed, and for the further study it is recommended to conduct research on the characteristic of the potentials of MSME as a credit scoring model for banks.Keywords: Micro, Small and Medium Enterprises; Banking Credit; Logistic Model AbstrakPenelitian ini membuktikan bahwa perbankan di Sumatera Barat cenderung untuk menggunakan jaminan yang cukup sebagai dasar penolakan dan pemberian kredit yang diajukan Usaha Mikro Kecil dan Menengah (UMKM). Menggunakan data hasil survei dengan ukuran sampel sebanyak 384 UMKM di Sumatera Barat, penulis menemukan bahwa peluang sebuah aplikasi kredit yang diajukan UMKM ditolak akan berkurang dari 59,9% menjadi 11,7% jika UMKM tersebut memiliki jaminan yang cukup. Hasil penelitian ini merekomendasikan pentingnya sistem penjaminan kredit untuk UMKM dan sekaligus merekomendasikan untuk melakukan penelitian lanjutan untuk mengindentifikasi karakteristik UMKM yang memiliki potensi yang baik dan pembuatan model kredit scoring.

The Influence of Business Performance on Credit Accessbility to Micro and Small Enterprises (MSEs)

“…Some previous research has found that collaterals are becoming a major consideration for banks to accept or refuse credit requests (Jaswadi et al, 2015). Collaterals were the main reason for rejecting and accepting credit requests for micro small medium enterprises in West Sumatera (Marta & Satria, 2015). Non-availability of collaterals was the main reason for them not to borrow from banks (Badan Pusat Statistik Provinsi Sumatera Barat, 2019).…”

Formalisasi Industri Pengolahan di Kabupaten Kebumen: Sebuah Tantangan

“…Hal ini sejalan dengan penelitian yang dilakukan terhadap 384 UMK di Sumatera Barat. Hasil penelitian ini menyatakan bahwa peluang sebuah aplikasi kredit yang diajukan UMK ditolak akan berkurang dari 59,9% menjadi 11,7% jika UMK tersebut memiliki jaminan yang cukup (Marta & Satria, 2016).…”

Achieving Access to External Finance Among Indonesian Entrepreneurs Through Financial Literacy, Financial Inclusion, Availability of Collateral, and Government Policy: A Study on Large Industrial Entrepreneurs in West Java

“…Collateral is an asset used as security for a loan. Collateral is critical for entrepreneurs to access external financing because it provides security for the lender and reduces their risk [19], [29]. However, many entrepreneurs in Indonesia may not have sufficient collateral to secure loans, especially for large loans.…”

“…Credit guarantees refer to assets that can be pledged to obtain loans. In Indonesia, the availability of credit guarantees is a major barrier in accessing external loans for entrepreneurs, as many entrepreneurs do not have enough assets to use as collateral [19]- [21].…”