EPUTAR INDONESIA
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Lembaga Mikro Belurn
S e n t u h
Perd
saan
BANDUNG -
Jumlah lembaga
pembiayaan dan produk mikro dinilai
masih sangat minim dan tidak
sebanding dengan jumlah penduduk
perdesaan di Indonesia.
D a r i t o t a l p o p u l a s i y a n g a d a , b a r u 5 0 % y a n g m e n d a p a t p e m -b i a y a a n p e r b a n k a n d a n s e j e n i s n y a .
P e n g a m a t e k o n o m i y a n g j u g a p e n g a j a r d i I n s t i t u t P e r -t a n i a n B o g o r ( I P B ) A h m a d S u -b a g j a m e n g a t a k a n , s e b a g i a n b e s a r p e m b i a y a a n m a s i h t e r -f o k u s d i k o t a b e s a r . H a n y a
s e d i k i t p e r b a n k a n n a s i o n a l y a n g m e n y a l u r k a n p e m b i a -y a a n k e p e l o s o k d e s a . A r t i n y a , t i n g g i n y a p e m b i a y a a n p e r -b a n k a n h a n y a d i n i k m a t i m a -s y a r a k a t k e l a s m e n e n g a h a t a s s a j a .
" K o n d i s i t e r s e b u t d i p e r b u -r u k d e n g a n m i n i m n y a j u m l a h l e m b a g a d a n p r o d u k p e m -b i a y a a n m i k r o y a n g h a n y a m e n c a p a i 1 2 % d a r i t o t a l j u m -l a h d e s a d i I n d o n e s i a , " k a t a S u b a g j a p a d a a c a r a E k o n o m i W e e k 2 0 1 2 d i U n p a d , k e -m a r i n .
I d e a l n y a , s e t i a p d e s a m e -m i l i k i p e m b i a y a a n m i k r o m e l a l u i d a n a y a n g b i s a d i d a p a t d a r i s i n d i k a s i d e n g a n p e r -b a n k a n . A t a s k o n d i s i t e r s e -b u t , p e r t u m b u h a n e k o n o m i h a n y a 6 , 5 % d a n b e l u m m e n y e n t u h m a s y a r a k a t b a w a h y a n g h i d u p d i p e r d e s a a n .
" A p a k a h p e r t u m b u h a n e k o -n o m i m e n y e n t u h s e k t o r b a w a h ? I n i y a n g m e n j a d i t a n t a n g
-a n d -a n p e r t -a n y -a -a n k i t a b e r s a -m a , " k a t a d i a .
S e m e n t a r a , p e r t u m b u h a n e k o n o m i n a s i o n a l l e b i h b a n y a k d i u k u r b e r d a s a r k a n b e s a r a n i n v e s t a s i . P a d a h a l , i n v e s t a s i t i d a k s e l u r u h n y a m e n y e n t u h m a s y a r a k a t b a w a h . O l e h k a r e -n a -n y a , d i a b e r h a r a p , k a l a n g a n p e r b a n k a n h a r u s b a n y a k m e -l a k u k a n i n t e r m e d i a s i d e n g a n m a s y a r a k a t d e s a .
" M a s a l a h k a l a n g a n
grass-root
b e r h e n t i p a d a s o a l j a m i n -a n k r e d i t . I t u h -a r u s d i c -a r i j -a l -a n k e l u a r n y a , " l a n j u t d i a .I n t e r m e d i a s i i t u , l a n j u t d i a , b i s a d e n g a n p e m b e n t u k a n l e m b a g a a t a u p r o d u k m i k r o . P o t e n s i p e r b a n k a n m e n d a p a t
benefit
( m a n f a a t ) d a r i s e k t o r t e r s e b u t m a s i h c u k u p b e s a r . A p a l a g i , b i l acoverage
o p e -r a s i o n a l n y a s a m p a i t i n g k a t d e -s a . B a n y a k s e k a l i k r e d i t p e r -b a n k a n y a n g b i s a d i g a r a p , b a i k k o n s u m t i f a t a u k r e d i t p r o -d u k t i f ." M i k r o
finance
m a s i h d i -a n g g -a p p i n g g i r a n . P a d a h a l , p o t e n s i n y a s a n g a t b e s a r . I n i y a n g h a r u s d i d o r o n g o l e h p e -m e r i n t a h , " u j a r n y a .S e l a i n m e n d o r o n g p e r -b a n k a n m e n g g a r a p p e m b i a y a -a n m i k r o , p e m e r i n t -a h j u g a h a
-KIIping
Humas
Onpad
2011
r u s g i a t m e r e a l i s a s i k a n p e m -b e n t u k a n B a d a n U s a h a M i l i k D e s a ( B U M D e s ) u n t u k m e -n g e l o l a s e k t o r p e m b i a y a a n d i d e s a n y a m a s i n g - m a s i n g .
U n t u k d i k e t a h u i , d a n a p e r -b a n k a n y a n g d i s a l u r k a n p a d a s e k t o r p e m b i a y a a n p e r S e p -t e m b e r 2 0 1 1 m e n c a p a i R p 2 . 0 7 9 , 3 t r i l i u n , l e b i h t i n g g i d a r i 2 0 1 0 s e b e s a r R p 1 . 7 6 5 , 8 t r i l i u n . B a h k a n , n a i k d r a s t i s s e j a k m e d i o 2 0 0 6 y a n g h a n y a t e m b u s d i a n g k a R p 7 9 2 , 3 t r i l i u n . A r t i n y a s e t i a p t a h u n p e -n y a l u r a -n k r e d i t p e r b a n k a n r a t a - r a t a n a i k 2 0 % .
K a b a g R i t e l B a n k B R ! B a n -d u n g A n d i S u h e n d i m e n g a -t a k a n , B a n k B R ! -t e r m a s u k p e r -b a n k a n n a s i o n a l y a n g m e -n y a l u r k a -n k r e d i t s a m p a i p e -l o s o k d e s a . D e n g a n m e m a n -f a a t k a n j a r i n g a n B R ! d i s e t i a p k e c a m a t a n , p e n y a l u r a n k r e d i t K U R d a n l a i n n y a b i s a m a k -s i m a l . B a h k a n , A n d i m e n g -k l a i m , -k o m p o s i s i -k r e d i t d i p e r -d e s a a n l e b i h b e s a r k e t i m b a n g p e r k o t a a n .
" T a h u n l a l u p e n y a l u r a n K U R t e r b e s a r d a r i B a n k B R ! . J a w a T i m u r m e n j a d i p e n y e r a p K U R t e r b e s a r d i b a n d i n g p r o -v i n s i l a i n n y a , " k a t a A n d i .
