Thinking Across Capability Model for Accessibility of People's Business Credit (KUR) Capital for Micro Business Actors

Main Article Content

Dina Suryawati Nurussyamsil Hidayah Hermanto Rohman

Abstract

This research examines the central government's facilitation to foster the resilience of MSME actors through capital financing, namely the People's Business Credit (KUR) program. The implementation of capital assistance through KUR remains problematic, especially the accessibility. The main objective is to analyse the problem situations and dynamics of micro-business capital and provide recommendations in the form of an adaptive and innovative policy construction model to the government. This research utilises the Soft Systems Methodology (SSM) perspective, which can transform a complex, unstructured problem into a more structured problem situation and build a conceptual model that fits the context of the existing problem. The results indicate that the primary problem is the dominance of the KUR program’s policy control by the central government, which complicates capital accessibility, especially for micro businesses, and limits the authority of local governments. The proposed conceptual model focuses on thinking across capabilities, which allows the adoption of thoughts, opinions, and ideas outside the inherent cultural framework to create innovative and adaptive policy outcomes. The two main dimensions of the model application are delegated task and authority, which is the power to delegate and provide insight or the ability to produce innovative and adaptive thinking. This resulted in two recommendations for the mandate mechanism to local governments, namely (1) authorising local governments to make recommendations for business status based on mapping to provide a guarantee for micro-businesses (2) the authority of local governments to work with banks to facilitate the distribution and bureaucratic management of KUR financing to micro businesses.

Downloads

Download data is not yet available.

Article Details

How to Cite
SURYAWATI, Dina; HIDAYAH, Nurussyamsil; ROHMAN, Hermanto. Thinking Across Capability Model for Accessibility of People's Business Credit (KUR) Capital for Micro Business Actors. Policy & Governance Review, [S.l.], v. 8, n. 1, p. 19-34, feb. 2024. ISSN 2580-4820. Available at: <https://journal.iapa.or.id/pgr/article/view/841>. Date accessed: 18 july 2024. doi: https://doi.org/10.30589/pgr.v8i1.841.
Section
Articles

References

Agustin, A., & Cahyono, H. (2017). Pengaruh Pendidikan Tinggi dan Investasi Asing Langsung terhadap Pertumbuhan Ekonomi di Indonesia. Jurnal Pendidikan Ekonomi, 5(3).

Anggraeni, W. C., Ningtiyas, W. P., & Alimah, N. M. (2021). Kebijakan Pemerintah Dalam Pemberdayaan UMKMDi Masa Pandemi Covid-19 Di Indonesia. Journal of Government and Politics (JGOP), 3(1), 47–65. http://journal.ummat.ac.id/index.php/jsip

Atin, T. D. N. (2019). Pengaruh Efektivitas Kredit Usaha Rakyat (KUR) Terhadap Peningkatan Profit Usaha Mikro (Studi Kasus Pada Nasabah Bank Rakyat Indonesia Unit Purwomartani Kalasan Sleman Yogyakarta). Jurnal Pendidikan Dan Ekonomi, 8(1), 10–19. http://www.kur.ekon.go.id

Bihuku, S., Sumbu, T., & Muaja, H. S. (2018). Urusan Pemerintahan Konkuren Menurut Undang- Undang Nomor 23 Tahun 2014 Tentang Pemerintahan Daerah. Lex Administratum, VI(1), 38–45.

Cahya, A. D., Widyastuti, M. L., & Fatharani, H. (2021). Peran Perbankan Dalam Pembiayaan UMKM Di Tengah Pandemi Covid-19. Jurnal Ilmiah Keuangan dan Perbankan , 4(2), 138–149.

Checkland, P., & Poulter, J. (2020). Soft Systems Methodology. In M. Reynolds & S. Holwell (Retired) (Eds.), Systems Approaches to Making Ch ange: A Pract ical Guide (pp.201–253). https://doi.org/10.1007/978-1-4471-7472-1

Constitutional Court of the Republic of Indonesia. (2022, October 1). Memahami Konsep Desentralisasi Asimetris Berdasar Undang- Undang. https://www.ekon.go.id/publikasi/ detail/4593/perkembangan-umkm-sebagai- critical-engine-perekonomian-nasional-terus- mendapatkan-dukungan-pemerintah

Coordinating Ministry for Economic Affairs of the Republic of Indonesia. (2022, May 20). Pengembangan UMKM Menjadi Necessary Condition untuk Mendorong Pertumbuhan Ekonomi. https://www.ekon.go.id/publikasi/detail/4136/pengembangan- umkm-menjadi-necessary-condition-untuk- mendorong-pertumbuhan-ekonomi

Diaz, E., & Sensini, L. (2020). Quality Management Practices, Innovation and Profitability of SMEs: Evidence from Argentina. International Business Management, 14(9), 328–336. https://www.researchgate.net/publication/344310674

Elliyana, E., Paerah, A., & Musdayanti. (2020). Kredit Usaha Rakyat Bank Rakyat Indonesia Dan Peningkatan Pendapatan UMKM. Jurnal Administrasi Kantor, 8(2), 153–162.

Gunawan, D. R., & Sutrisno, B. (2023). Perlindungan Hukum bagi Pelaku Usaha Mikro dan Kecil di Masa Pandemi Covid-19. Jurnal Commerce Law, 3(1), 662–669. https://doi. org/10.29303/

Hadi, S., & Michael, T. (2021). Implikasi Hukum Resentralisasi Kewenangan Penyelenggaraan Urusan Konkuren terhadap Keberlakuan Produk Hukum Daerah. Jurnal Wawasan Yuridika, 5(2), 267–290. https://doi.org/10.25072/jwy.v5i2.489

Hamza, L. M., & Agustien, D. (2019). Pengaruh Perkembangan Usaha Mikro, Kecil, dan Menengah Terhadap Pendapatan Nasional Pada Sektor UMKM di Indonesia. Jurnal Ekonomi Pembangunan (JEP), 8(2), 127–135. https://doi.org/10.23960/jep.v8i2.45

Janssen, M., & Voort, H. (2020). Agile and adaptive governance in crisis response: Lessons from the COVID-19 pandemic. International Journal of Information Management, 55, 1–7. https://doi.org/10.1016/j.ijinfomgt.2020.102180

Neo, B . siong, & Chen, G. (2007). D yn amic Governance Embedding Culture, Capabilities and Change in Singapore.

Norman, N. A., Razak, A. R., & Kasmad, R. (2020). Adaptive Governance Dalam Pengembangan Kapasitas Pemerintah Daerah Dalam Pemberdayaan Pedagang Kaki Lima (PKL) Di Kabupaten Mamuju. 1(1), 145–161. https://journal.unismuh.ac.id/index.php/ kimap/index

Pidu, Y. R., Bokiu, Z ., & Pak aya, L. (2022). Efektivitas Pengelolaan Dana Kredit Usaha Rakyat dalam Meningkatkan Pendapatan (Studi Kasus Pada Nasabah Bank BRI Unit Telaga Kota Gorontalo). Jurnal Mahasiswa Akuntansi, 1(2), 41–54. https://jamak. fe.ung.ac.id/index.php/jamak

Salam, M. D., & Prathama, A. (2022). The Role Of Local Governments In The Development Of Umkm. Jurnal Kebijakan Publik, 13(2),137–143. https://jkp.ejournal.unri.ac.id

Sarfiah, S., Atmaja, H . E., & Verawati, D. M. (2019). UMKM Sebagai Pilar Membangun Ekonomi Bangsa. Jurnal REP (Riset Ekonomi Pembangunan), 4(2), 137–146. https://doi. org/10.31002/rep.v4i2.1952

Silalahi, D. E. S., & Ginting, R. R. (2020). Strategi Kebijakan Fiskal Pemerintah Indonesia Dalam Menghadapi Pandemi Covid-19. Jesya (Jurnal Ekonomi & Ekonomi Syariah), 3(2), 156–167. https://doi.org/10.36778/jesya.v3i2.193

Sofyan, A. T. (2021). Resiliensi dan Inovasi UMKM sebagai Penggerak Pemulihan Ekonomi. Jurnal Visionary: Penelitian Dan Pengembangan Dibidang Administrasi Pendidikan, 9(2), 57–65. https://e-journal. undikma.ac.id/index.php/visionary

Suryawati, D., Helpiastuti, S., Firdaus, A., & Suji. (2023). Model Pendekatan Adaptif sebagai Upaya Membangkitkan Resiliensi UMKM. Jurnal Ilmu Sosial Dan Humaniora, 12(1), 60–72. https://doi.org/10.23887/jish. v12i1.51741

Suryawati, D., Firdaus, A., & Supranoto. (2023). Design of Quick Wins Based Policy for Facilitation and Assistance of Micro, Small, Medium Enterprises (MSMEs ). JKAP (Jurnal Kebijakan Dan Administrasi Publik), 27(1), 31–50. https://journal.ugm.ac.id/jkap

Tunu, D. S., Effendy, H. K., & Irena, D. (2022). Efektivitas Pendelegasian Kewenangan Bupati Kepada Camat Di Kabupaten Timor Tengah Selatan Provinsi Nusa Tenggara Timur. Visioner, 14(3), 243–254.

Ulfa, M., & Mulyadi, M. (2020). Analisis Dampak Kredit Usaha Rakyat pada Sektor Usaha Mikro terhadap Penanggulangan Kemiskinan di Kota Makassar. Jurnal Masalah-Masalah Sosial , 11(1), 17–28. https://doi. org/10.22212/aspirasi.v11i1.1294

Yang, S. (2023). Factors Influencing SME Growth Performance in China: A Conceptual Analysis. Journal of Digitainability, Realism & Mastery (DREAM), 2(03), 50–59. https://doi.org/10.56982/dream.v2i03.93