Ius Positum: Journal of Journal Of Law Theory And Law Enforcement
Vol. 1 Issue. 2 (2022)

The Cooperation Between Conventional Commercial Banks and Rural Banks for Financial Inclusiveness Improvement of Small, Medium And Micro Enterprises

Trisadini Prasastinah Usanti (Airlangga University)
Anindya Prastiwi Setiawati (Unknown)

Article Info

Publish Date
06 Apr 2022


One of the accesses to funding for MSMEs is by inclusive financing which conducted through the collaboration between conventional commercial banks (BUK) and rural credit banks (BPR) with executing, channeling and joint financing schemes. The MSMEs Credit Banking Cooperation (KPKU) between BUK and BPR aims to be mutually beneficial with the ultimate goal is for more financed MSMEs by banks. For BPRs that have limited funds, the KPKU is the main alternative source of funds apart from savings and time deposits. The executing, channeling and co-financing schemes have different characters, especially to parties that dividing the funds to MSMEs debtors and parties who bear the risk due to non-payment funds that have been distributed to MSMEs. This research is a normative research using statutory and conceptual approach.

Copyrights © 2022

Journal Info





Law, Crime, Criminology & Criminal Justice


Ius Positum (Journal of Law Theory and Law Enforcement) is an open acces journal which affiliated with a law firm JF Law Firm. Ius Positum facilitates academics, researchers and legal practitioners to contribute in publishing articles that include original academic thoughts in field of Law Theory ...