ASPEK HUKUM PELAKSANAAN PEMBERIAN KREDIT
UNTUK USAHA KECIL DALAM RANGKA PEMBERDAYAAN
EKONOMI KERAKYATAN DI KOTAMADYA MEDAN
TESIS
Oleh :
SYAMSUL RIZAL
NIM : 973105018
PROGRAM STUDI : ILMU HUKUM / HUKUM BISNIS
PROGRAM PASCASARJANA
UNIVERSITAS SUMATERA UTARA
MEDAN
2000
Syamsul Rizal : Aspek Hukum Pelaksanaan Pemberian Kredit Untuk Usaha Kecil Dalam Rangka…, 2000
Syamsul Rizal : Aspek Hukum Pelaksanaan Pemberian Kredit Untuk Usaha Kecil Dalam Rangka…, 2000
Dalam rangka pemberdayaan ekonomi kerakyatan (usaha kecil), pemerintah telah menetapkan beberapa peraturan yang memberikan f a s i l i t a s a t a u k e g i a t a n ditentukan secara purposive. Data diperoleh dengan cara studi dokumen, wawancara dan kuesioner. Penelitian ini bersifat deskriptif dan data dianalisis secara kualitatif.
Hasil penelitian menunjukkan bahwa pelaksanaan UU No. 9 Tahun 1995 dalam aspek pendanaan belum berjalan sebagaimana mestinya. Banyak pengusaha kecil yang belum dapat memanfaatkan fasilitas kredit y a n g a d a d i s e b a b k a n a d a n y a b e b e r a p a f a k t o r y a n g m e n j a d i hambatan/kendala yaitu kurangnya informasi tentang adanya fasilitas s k i m k r e d i t u n t u k u s a h a k e c i l , k u r a n g n y a p e l a y a n a n b i r o k r a s i , k e t e r b a t a s a n p e n y a l u r a n k r e d i t d a n k o n d i s i - k o n d i s i l a i n y a n g m e m p e n g a r u h i s e p e r t i s u m b e r d a y a m a n u s i a . D i s a r a n k a n a g a r ditingkatkan kegiatan pendidikan, penyuluhan, pelatihan dan konsultasi bagi pengusaha kecil.
K a t a - k a t a k u n c i : P e l a k s a n a a n U n d a n g - U n d a n g N o . 9 T a h u n 1 9 9 5 , hambatan implementasi skim kredit usaha kecil.
Syamsul Rizal : Aspek Hukum Pelaksanaan Pemberian Kredit Untuk Usaha Kecil Dalam Rangka…, 2000
In effort to strengthen the peoples economic (small scale enterprise), the government has determine some regulations which furnish facility or activity from the crediting to solving the problem of marketing such as, Act Number 9, 1995 on Small Scale Enterprise and Government Regulation Number 32, 1998 on Small Scale Enterprise Maintenance and Development.
Research is done to know the implementation of Act Number 9, 1995 in respect of fund distribution and obstacles on the implementation of credit scheme for the small scale enterprise. Location of the research is in Municipality of Medan. Sample or respondent is determined by purposive mean. Data is obtained by study of document, interview and questionnaire. This research has descriptive character and data is analyzed by qualitative mean.
Result of this research show that the implementation of Act Number 9, 1995 in respect of fund distribution is not persisted as is used to be. Many of small scale entrepreneurs could not using the available credit facility due to some factor which become the obstacles, which is: less of information on the availability of credit scheme facility; lack of bureaucracy service, limitedness of credit distribution and other factor, such as human resources. It is recommended that there should be improvement in education, illumination, training and consultation for the small scale entrepreneur
Key word: Implementation of the Act Number, 9, 1995
Obstacles in the implementation of small scale enterprise credit scheme.
