Analisis Tingkat Kebutuhan Modal Bagi Usaha Mikro, Kecil, dan Menengah (UMKM) di Kota Medan
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Institusion
Universitas Sumatera Utara
Author
Sembiring, Christy Allen
Subject
Banking
Datestamp
2018-12-27 02:05:04
Abstract :
The aim of this study is to identify Medan the level of necessary financial capital within UMKM in Medan. Sempel determination by using judgment of 50 samples because the number of population is not known. The analytical tool used is descriptive analysis, in which the data obtained are arranged, grouped, analyzed and then interpreted. The analysis result shows from 50 respondents, most of which 92 percent of UMKM in Medan have applied for credit to banking for business development. With the level of capital needs ranging from Rp1.000.000-Rp20.000.000. The ability of UMKM Entrepreneurs for the term of repayment is under 3 years with the installment amounting to Rp100.000-Rp500000/month. However, there are obstacles in the application of credit to Banking for UMKM that are high interest rates and credit collateral requirements are heavy. Banks should improve services especially in credit provision by performing analysis and solution of high interest problem and credit collateral requirement which is heavy in credit proposal by UMKM.
The aim of this study is to identify Medan the level of necessary financial capital within UMKM in Medan. Sempel determination by using judgment of 50 samples because the number of population is not known. The analytical tool used is descriptive analysis, in which the data obtained are arranged, grouped, analyzed and then interpreted. The analysis result shows from 50 respondents, most of which 92 percent of UMKM in Medan have applied for credit to banking for business development. With the level of capital needs ranging from Rp1.000.000-Rp20.000.000. The ability of UMKM Entrepreneurs for the term of repayment is under 3 years with the installment amounting to Rp100.000-Rp500000/month. However, there are obstacles in the application of credit to Banking for UMKM that are high interest rates and credit collateral requirements are heavy. Banks should improve services especially in credit provision by performing analysis and solution of high interest problem and credit collateral requirement which is heavy in credit proposal by UMKM.
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