HAMBATAN PENYERAPAN KREDIT USAHA KECIL STUDI KASUS Dl PASAR ANYAR I SINGARAJA BALI

Maryatmo , R. and Sri Rahayu, Nyoman Yuyun (2009) HAMBATAN PENYERAPAN KREDIT USAHA KECIL STUDI KASUS Dl PASAR ANYAR I SINGARAJA BALI. Jurnal Ekonomi dan Kebijakan , 25 (1). pp. 1-11. ISSN 1979-715X

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Abstract

There were anomaly financial condition in Indonesia. Before 2008 net export were positif in one side, but there were strong financial inflow on another side. The flux of financial supply were not followed by thfinancial absorbtion of the real sector. The study is going to investigate the problems of the real sector in absorbing the oversupply of capital market. Especially the study is dedicated to investigate the problems of small peddler in Pasar Anyar I, Singaraja, Bali in absorbing the credit of banks. It is found out that inelastic service of banking sectors in determining the time limit, amount of credit, and the banking requirement for collateral are unaccepted for small peddlers. Small peddler with small capital but high return, and high capital circulation, which are vulnerable for economic shock, need fast service, without collateral, and elastic time limit, of credits. The mismatch of service and demand for fund for formal banking creates informal banking to be survived even they charge a higher interest.

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