PENELUSURAN “ATURAN MAIN” PEMBIAYAAN MIKRO KECIL MENENGAH DALAM KONTEKS PERSAINGAN ANTAR LEMBAGA
Jurusan Ekonomi Pembangunan Fakultas Ekonomi Universitas Brawijaya
Jl. M.T. Haryono No.165 Malang 65145
Korespondensi dengan Penulis:
Tyas Danarti: Telp.+ 62 341 551 396, Fax. +62 341 553 834
The purpose of this study were how the regulations concerning the financing institutions (rules or “rules of play” and supervision), how the reality of system or mechanism for each financial institution referred to in channeling financing to small and medium segment, and on turn, how the impact of these two issues of competition among the existing financing institutions. With in-depth observation and interviews, we found that formally Bank of Indonesia only act as mediators between the SMEs and business actors such financial institutions through training, meeting facilitation for coordination and delivery of information; implications of the operational rules of the microfinance institutions can be divided into four important issues, those are the target market, the mechanism of realization of loans, settlement mechanism of risk, and strategies to face competition; and the absence of clear rules or boundaries for the operation of financial institutions, in turn, a uniform service delivery and increasing competition tightened and increased the risk to the financial institutions themselves and for society.
Key words: financial institutions, financing rules, competition, credit risk