Studi Kelembagaan dan Sistem Pembiayaan Usaha Kecil dan Menengah  

Oleh:

HM. Sukardi

Jenis: Article from Bulletin/Magazine
Dalam koleksi: Jurnal Riset Ekonomi dan Manajemen vol. 3 no. 1 (Jan. 2003), page 40-50.
Topik: KELEMBAGAAN; bureau of small and medium business development; one stop access center; flatter organization; small business guarantee and finance corporation; rural bank; informal credit market

Ketersediaan

Perpustakaan Pusat (Semanggi) Nomor Panggil: JJ111 Non-tandon: 1 (dapat dipinjam: 0) Tandon: tidak ada

Lihat Detail Induk

Isi artikel

A comparison study of institution and budgeting system for SME possessed five main goals. These goals included : 1. identifying various factors influencing SME dfevelopment through organizational system 2. getting information on various factors influencing SME development 3. enhancing work - share amogst the government offices 4. formulating a relevant policy, implementation and monitoring system, and 5. finding - out best practice model of institution and budgeting system that can be applied in indonesian societies. The comparison study used a descriptive method with self - report approach. A place of study was in department of trade and industry (DTI) and other related agencies whose function to sprout and develop SME in metro - manila philippines. Results of the study could be grouped in two parts - organizational system and budgeting system for SME. Firstly, organization management of SME findings that institutional with intensive involvement of bureau small and medium industry development. Systematically, DTI's coordination includes four main activities, namely, start and develops, provide budget resources, technological aids, and entrepreneur ethic. The SME's according the republic act 8289, is those philippines persons included individual or group that possess certain characteristics. Six high institutional levels and several governmental offices involves with various efforts registering SME activities. In each offices has a procedure, authority and cost price that are written clearly to simply registration process for the entrepreneurs when they register they businesses in the relevant office. The output study that relates to a budget system can be described below. For improving the budget efficiency. Philippines government creates a small and medium development council. The council shall be the primacy agency responsible for promotion, growth and development of small and medium enterprises in the country. Besides that the philippines government also creates a small business guarantee and finance corporate (SBGFC), which concerns in giving a guarantee loan obtained by qualified small and medium enterprises. This institution is located at the DTI office with its program under supervised of small and medium development council. For surviving budget poicy, philippens government mandates allocation of credit resources to small and medium enterprises for the period of ten years from the date of the affectivity of this act, shall set aside at least six percent and two percent of their total loan portfolio. The bank central phillipnes in consultation with the council formulates rules for the effective implementation of this provision. The small and medium development council establishes budget system and monitor all loan proposal accurately so that loan allocaiton is within their capabilities. A target of loans to small and medium enterprises is varied and prioritized to entrepreneus included individual, group, corporate and the poor family with limtied their ability to access bank requirement. They may get their loans through the recommendation from the mayor / parish priest or chairman of residency. Bank officers in giving their professional services are encouraged to cover all entrepreneurs and base on three main factors - professionally fast, easy process and real loan come through.

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