Perception Of Manager Of Micro Financial Institutions On The Role Of Credit Union To Micro Enterprises Development In Surabaya And Surrounding Area
| Main Authors: | Muljani, Ninuk, Ellitan, Lena |
|---|---|
| Format: | Article PeerReviewed Book |
| Bahasa: | eng |
| Terbitan: |
EPRA Journals
, 2018
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| Subjects: | |
| Online Access: |
http://repository.wima.ac.id/15237/1/10-Perception_of_manager_.pdf http://repository.wima.ac.id/15237/ http://www.eprajournals.com |
Daftar Isi:
- This research has objectives: 1. To know and analyze the role of microfinance institutions in micro business development. 2. To know and analyze the linkage between performance of micro finance institution and micro business performance. 3. To identify the constraints faced by microfinance institutions in providing credit for micro business development. 4. To identify strategies undertaken by microfinance institutions in handling credit risk. 5. To identify strategies implemented by microfinance institutions for micro-enterprise development. Data collection was done by using Focus Group Discussion method with Chairman and Manager of Credit Union as informant. There are 5 credit unions that participate, namely Pukat, Dharma P.S, Dwijasa, Mapan Sejahtera and Tirtadana. The results of this study indicate that the credit union has the role of providing easy access to borrow capital, providing additional business capital loans, providing entrepreneurship training and providing consultancy services for business development. Credit union performance is related to the performance of micro business, because the better the performance of credit union, the more credit union contribution in the member business development. Constraints faced are members who neglect to pay credit and lack of information about the use of credit by members. The strategy for dealing with credit risk is more on the action of applying the principles of prudence and establishing harmonious communication with members. While the strategy for developing micro business undertaken by credit union is to organize entrepreneurship education/training programs and helping to market member products.