Analisis Dampak Kebijakan Penyaluran Kredit Kepada Umkm Terhadap Pertumbuhan Pembiayaan Umkm Oleh Perbankan [Policy Impact Analysis of Lending to MSMEs on the Growth of MSMEs Financed by Banks]

Chaerani Nisa
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引用次数: 8

Abstract

Bank Indonesia launched PBI No. 14/22 in 2012. It regulated that it will be mandatory for all commercial banks to give a minimum of 20% of their total credit to Micro, Small and Medium Enterprise (MSME) by 2018 at the latest. With this regulation, the government expects that there will be a significant rise in credit deployment to the MSME sector. This research study shows that by December 2015 there was no significant growth in credit deployment to MSME. As a contrary, the average credit to the MSME sector between January 2012 and December 2015 was lower than the average credit deployment to MSME between January 2011 and Devember 2012.
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中小微企业贷款对银行融资中小微企业增长的政策影响分析
印尼银行于2012年推出了第14/22号PBI。它规定,最迟在2018年,所有商业银行必须将其总信贷的至少20%用于微型,中小企业(MSME)。政府预计,有了这一规定,对中小微企业的信贷部署将大幅增加。本研究表明,截至2015年12月,对中小微企业的信贷部署没有显著增长。相反,2012年1月至2015年12月期间对中小微企业的平均信贷部署低于2011年1月至2012年12月期间对中小微企业的平均信贷部署。
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来源期刊
自引率
0.00%
发文量
14
审稿时长
20 weeks
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