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All Journal Proceedings of Annual International Conference Syiah Kuala University - Social Sciences Chapter Ekonomikawan : Jurnal Ilmu Ekonomi dan Studi Pembangunan Jurnal Riset Akuntansi dan Bisnis JURNAL ILMIAH MANAJEMEN & BISNIS KUMPULAN JURNAL DOSEN UNIVERSITAS MUHAMMADIYAH SUMATERA UTARA MIX : Jurnal Ilmiah Manajemen Ikonomika : Jurnal Ekonomi dan Bisnis Islam Jurnal SOLMA Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah Owner : Riset dan Jurnal Akuntansi Journal Analytica Islamica At-Tawassuth: Jurnal Ekonomi Islam At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam International Journal of Business Economics (IJBE) Ihsan: Jurnal Pengabdian Masyarakat Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Proceeding International Seminar of Islamic Studies AL-MULTAZIM : Jurnal Manajemen Bisnis Syariah International Journal Of Economics Social And Technology International Journal of Accounting & Finance in Asia Pasific IIJSE
Siti Mujiatun
Universitas Muhammadiyah Sumatera Utara
Religion Arts Humanities Astronomy Automotive Engineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Mathematics Physics Social Sciences Other

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Journal : Owner : Riset dan Jurnal Akuntansi

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Pengembangan Model Penyaluran Kredit Bagi UKM Untuk Mengantisipasi Perkembangan Lembaga Keuangan Informal : (Studi Kasus : Pada UKM di Kabupaten Deli Serdang) Siti Mujiatun; Julita Julita; Rahmayati Rahmayati; Edisah Putra Nainggolan
Owner : Riset dan Jurnal Akuntansi Vol. 6 No. 4 (2022): Artikel Volume 6 Issue 4 Periode Oktober 2022
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/owner.v6i4.1016

Abstract

The classic problem that cannot be denied and that continues to plague some Small and Medium Enterprises (SMEs), is the problem of capital, which results in not achieving the expected goals. Some SMEs that can meet the requirements can use banking services (banks) to meet their business capital needs and not a few SMEs also use informal financial institutions, which in this case are loan sharks for their business capital, although we know the interest expense set is relatively higher than Banks, because the procedures and requirements are easy, some SMEs use informal financial institutions or loan shark services. This study aims to provide input and develop the most relevant credit distribution model that can help some SMEs in fulfilling their business capital in Deli Serdang Regency, and it is hoped that in the future the government and other stakeholders will have to focus on solving these problems. However, the SME sector is one of the supporters of economic growth in an area, especially in Deli Serdang Regency. This study uses the Research and Development (R&D) method. Data collection techniques generally use field studies with the distribution of research instruments (questionnaires) to the sample, in this case, SMEs in Deli Serdang Regency. Data analysis The research instruments that have been collected will be analyzed using descriptive analysis methods. Of the 70 entrepreneurs who became respondents, only 10.9% believed that the capital they had was sufficient to develop their business, 64.6% said they still needed injections even though they already owned them and 24.6% even stated that capital injections were a very urgent need for survival his efforts.
Co-Authors Afif Badawi Dwita Ferina Edisah Putra Nainggolan Fadhli bin Wan Mahmud Khairi Hafidz Hafidz Hanifah Jasin Jufrizen Julita, Julita Mailina Harahap Mavianti, Mavianti Maya Sari Muhammad Arif MUIS FAUZI RAMBE Mutiah Khaira Sihotang Nadia Ika Purnama Pandapotan Ritonga Pipit Putri Hariani MD Rahmad Bahagia Rahmayati Rahmayati Rahmayati Rahmayati Rahmayati Rahmayati, Rahmayati Raihanah Daulay Salman Nasution Windy Anggrainy Siregar YUDI SISWADI Yuli Sahara Nst