BANK PERKREDITAN RAKYAT: TEROBOSAN
STRATEGIS BAGI PENGUATAN KELEMBAGAAN DAN PEMBIAYAAN USAHA KECIL
M. Syahirman Yusi
Prodi Administrasi Bisnis Politeknik Negeri Sriwijaya
Jl. Srijaya Negara, Palembang, 30139, Indonesia.
Korespondensi dengan Penulis:
M. Syahirman Yusi: Telp +62 711 353 414
Capital shortage was the main problem faced by the small scale enterprises. To solve the problem, in 2013 the government legislated the regulations no. 1 about microfinance. Rural banking or BPR was one of microfinance programs offered the capital and other policies to improve the small scale enterprises. This paper aimed to review the development strategy of the rural banking that supported small scale of food enterprise effectively in the form of financing, strengthening, and partnership in South Sumatera. Survey and interview technique were implemented to 225 samples and the data was analyzed by using both one way Anova Test and Structural Equation Modeling. The result of analysis showed that all of the program offered by the rural banking had supported the development of small scale enterprises. Further analysis indicated that not only proposed research hypothesis but also the theoretical model were not rejected.
Keywords: capital shortage, rural banking, small scale enterprise